Out of Reach 12 - American Housing Crisis

O UT O F R EAC H 2 0 1 2
Americas Forgotten Housing Crisis
March 2012
OUT O F R EAC H
2012
Elina Bravve
Research Analyst
Megan Bolton
Senior Research Analyst
Linda Couch
Senior Vice President for Policy and Research
Sheila Crowley
President
Copyright 2012 by the National Low Income Housing Coalition
Established in 1974 by Cushing N. Dolbeare, the National Low Income Housing Coalition is dedicated solely to achieving
socially just public policy that assures people with the lowest incomes in the United States have affordable and decent homes.
NLIHC educates, organizes and advocates to ensure decent, affordable housing within healthy neighborhoods for everyone.
NLIHC provides up-to-date information, formulates policy, and educates the public on housing needs and the strategies for solutions. Additional copies of Out of Reach
are available from NLIHC. Out of Reach and additional data are available on NLIHCs website at www.nlihc.org/oor/2012.
Permission to reprint portions of this report or the data therein is granted, provided appropriate credit is given to the National Low Income Housing Coalition. The data
for nonmetro areas included in Out of Reach are published in collaboration with the Housing Assistance Council (www.ruralhome.org).
NATIONAL LOW INCOME HOUSING COALITION

727 15th Street NW, 6th Floor
Washington, D.C. 20005
Tel: (202) 662-1530
Fax: (202) 393-1973
info@nlihc.org
www.nlihc.org
NLIHC BOARD OF DIRECTORS

Mark Allison | Center for Social Innovation | Albuquerque, NM
William C. Apgar | Joint Center for Housing Studies, Harvard University | Cambridge, MA
David Bowers | Enterprise Community Partners | Washington, D.C.
Mary Brooks | Center for Community Change | Frazier Park, CA
Maria Cabildo | East LA Community Corporation | Los Angeles, CA
Delorise Calhoun | Jurisdiction-Wide Resident Advisory Board, Cincinnati Housing Authority | Cincinnati, OH
Donald Chamberlain | Sound Thinking | Seattle, WA
Brenda Clement | Housing Action Coalition of Rhode Island | Providence, RI
Marcie Cohen | Community CoNexus | Washington, D.C.
Lot Diaz | National Council of La Raza | Washington, D.C.
Charles Elsesser, Jr. | Florida Legal Services | Miami, FL
Chris Estes | North Carolina Housing Coalition | Raleigh, NC
Bill Faith | Coalition on Housing and Homelessness in Ohio | Columbus, OH
Daisy Franklin | Public Housing Residents Network | Norwalk, CT
Matt Gerard | Minneapolis Highrise Representative Council | Minneapolis, MN
Lisa Hasegawa | National Coalition for Asian Pacific American Community Development | Washington, D.C.
Linda Leaks | District of Columbia Grassroots Empowerment Project | Washington, D.C.
Moises Loza | Housing Assistance Council | Washington, D.C.
George Moses | Housing Alliance of Pennsylvania | Pittsburgh, PA
Reymundo Ocaas | BBVA Compass | Houston, TX
Greg Payne | Maine Affordable Housing Coalition | Portland, ME
Tara Rollins | Utah Housing Coalition | Salt Lake City, UT
Martha Weatherspoon | Lincoln Home Resident Council | Clarksville, TN
Paul Weech | Housing Partnership Network | Washington, D.C.
Leonard Williams | Buffalo Municipal Housing Authority | Buffalo, NY
TABLE OF CONTENTS
PREFACE................................................................................................................................................1
By Shaun Donovan, Secretary of the U.S. Department of Housing and Urban Development
INTRODUCTION...................................................................................................................................2
USERS
GUIDE
Where the Numbers Come From. ..........................................................................................................6
How to Use the Numbers........................................................................................................................7
TABLES AND MAPS

Most Expensive Jurisdictions................................................................................................................8
States Ranked by Two-Bedroom Housing Wage................................................................................9
2012 Two-Bedroom Housing Wage....................................................................................................10
Hours at Minimum Wage Needed to Afford Rent.............................................................................11
State Summary.....................................................................................................................................12
STATE TABLES....................................................................................................................................14
APPENDICES
Appendix A: Data Notes, Methodologies and Sources....................................................................231
Appendix B: Explanation of Fair Market Rent................................................................................235
Data for other states, metropolitan areas, and counties can be found at www.nlihc.org/oor/2012.
PREFACE
By Shaun Donovan | Secretary of the U.S. Department of Housing and Urban Development
or decades, having a decent, safe place to call home has been a

cornerstone of opportunity in America a place where we can
raise our families, connect to our communities, and pursue
opportunities for a better life for ourselves and our children. But as
the National Low Income Housing Coalition shows with this report,
for too many Americans that opportunity is out of reach, as families
confront a wide gap between the cost of housing and their ability to
pay for it.
And in the wake of the worst economic downturn since the Great Depression, that gap has
only grown. We all know the devastating effect this crisis has had on our most vulnerable
families and communities. This was confirmed by the results of HUDs Worst Case Housing
Needs Survey, which showed an increase of 20 percent in worst case needs between 2007
and 2009, the largest increase in the surveys history.
But as this years Out of Reach report demonstrates, the crisis has had an even more
profound impact in certain markets. In rural areas and other places with high rates of
unemployment, depressed incomes have widened the affordability gap. Conversely,
regions with stronger economies are also feeling the pinch as foreclosures throw more
families into the rental market and drive up rates in communities that traditionally have
less rental housing.
This perfect storm of growing need and rising costs is why it is more important than ever
that we provide a supply of affordable rental homes at the scale that families require and
in the places that need them.
Thats why, through the Recovery Act, the Obama Administration invested $4 billion to
make urgent public housing repairs and prevented or ended homelessness for more than
1.2 million people. And by saving the Low Income Housing Tax Credit, it preserved a
critical tool to relieve pressure on the rental market more broadly.
Collectively, these steps and others have not only allowed HUD to increase the number of
families served each year since 2009 perhaps more importantly, they have helped put
the Federal government is back in the affordable housing business.
Still, given that we have lost 150,000 homes from our nations affordable housing stock in
the last 15 yearsand the estimated $26 billion capital needs backlog facing our public
housing programthe job isnt done.
Thats why Im proud HUDs proposed FY13
budget makes renewing rental assistance for
over 5.4 million families our top priority.
Even in a tough budget year, it protects
families that were hardest hit by the
recession and maintains our commitment
to the core rental programs that serve them.
And at the same time we will be testing
new strategies to preserve publicly-owned
homes for future generations through
our Rental Assistance Demonstration,
the budget also requests $1 billion for the
National Affordable Housing Trust Fund
to provide the consistent, flexible, and
transparent funding we need to build more
affordable housing. Together, these efforts
will build or preserve more than 70,000
affordable rental homes.
IT IS MORE
IMPORTANT
THAN EVER THAT
WE PROVIDE A SUPPLY
OF AFFORDABLE RENTAL
HOMES AT THE SCALE
THAT FAMILIES REQUIRE
AND IN THE PLACES
THAT NEED THEM.
Tools like these represent important progress in the fight to ensure that vulnerable
families have access to quality housing they can afford. And as this report shows us, we
have a long way to go before we can reach that goal. But with the help of partners like
NLIHC, we can preserve, improve and expand access to quality affordable housing and
put the dream of a safe, decent home within reach for every American who needs it.
National Low Income Housing Coalition | Out of Reach 2012
INTRODUCTION
lthough the recession may have temporarily stalled the rising cost of housing in the United
States, it did not result in increased access to affordable rental housing for households that need
it most: extremely low income families facing the greatest housing cost burden. As demand
flooded the rental market over the past year, indicated by the vacancy rate dropping to the lowest level
since 2001, rental costs have begun to inch up, impacting those households already most vulnerable to
price fluctuations.1 The rental market is expected to continue to heat up, with more moderate income
households choosing to rent, making even fewer housing options available to low income renters.
WHAT IS THE GAP BETWEEN
THE ESTIMATED HOURLY
WAGE NECESSARY TO
AFFORD A TWO-BEDROOM
APARTMENT AND THE WAGE
AN AVERAGE AMERICAN
RENTER ACTUALLY EARNS?
GAP =
$4.10
$18.25
$14.15
2012
Housing Wage
2012
Renters Wage
By the fourth quarter of 2011, the homeownership rate dropped to 66%, the lowest since 1998,
reflecting caution among prospective homeowners. Over the past four years, renter household
growth has consistently surpassed owner household growth.2 It is estimated that the number of
renter households rose by nearly 4 million between 2005 and 2010. Over the next decade, the
number of renters may increase by upwards of 470,000 annually, further straining the rental
market and disproportionately affecting extremely low income households.3
Among renter households, the number of extremely low income renters, those earning 30% or
less of the Area Median Income (AMI), jumped by nearly 900,000 in the years between 2007
and 2010.4 Extremely low income (ELI) renters, competing with an ever-growing number of
households in search of decent, safe and affordable rental units, face a tightening market with
fewer and fewer options. With the recent surge in demand, the need for affordable rental units
has never been greater.
Out of Reach 2012 clearly shows that this need cuts across all parts of the country by fusing
housing cost data with wage data at the national, state, metro, and county levels. The analysis
illustrates a wide gap between the cost of decent housing and the hourly wages that renters
actually earn. The numbers in Out of Reach demonstrate that this year, in every community across
the country, there are renters working full-time who are unable to afford the rents where they live.
The Housing Wage is an estimate of the full-time hourly wage a household must earn in order to afford a decent apartment at the HUD
estimated Fair Market Rent (FMR) while spending no more than 30% of income on housing costs. Nationally, the average two-bedroom
FMR for 2012 is $949. Accordingly, the 2012 Housing Wage is $18.25, significantly surpassing the $14.15 hourly wage actually earned
by renters, on average, nationally. The gap between the Housing Wage and the average renter wage is an indicator of the magnitude of
need for more affordable rental units. In 2012, in 86% of counties studied nationwide, the housing wage exceeds the average hourly
wage earned by renters.
In spite of this bleak picture, it is possible to work towards bridging the gap between wages and housing costs. Policies that support
expanding the supply of affordable housing, targeted to the lowest income households, are an important step toward providing more
households access to decent housing.
DEFINITIONS
Affordability in this report is consistent with
the federal standard that no more than 30%
of a households gross income should be spent
on gross housing costs. Households paying
over 30% of their income are considered cost
burdened. Households paying over 50% of their
income are considered severely cost burdened.
Area Median Income (AMI) is used to
determine income eligibility for affordable
housing programs. Area Median Income is set
according to family size and varies by region.
Extremely Low Income (ELI) refers to
earning less than 30% of AMI
Housing Wage is the estimated full-time
hourly wage a household must earn to afford
a decent rental unit at HUD estimated Fair
Market Rent while spending no more than 30%
of their income on housing costs.
Full-Time Work is defined as 2,080 hours per
year (40 hours each week for 52 weeks). The
average employee works roughly 34.5 hours
per week, according to the Bureau of Labor
Statistics.
Fair Market Rent (FMR) is the 40th
percentile of gross rents for typical,
non-substandard rental units. FMRs are
determined by HUD on an annual basis, and
reflect the cost of shelter and utilities. FMRs are
used to determine payment standards for the
Housing Choice Voucher program and Section 8
contracts.
Renter Wage is the estimated hourly wage
among renters by region, based on 2010 Bureau
of Labor Statistics data, adjusted using the
ratio of renter income to the overall household
income reported in the ACS and projected to
April 1, 2012.
Wotapka, D. (2012, January 5). Apartment-Vacancy Rate Tumbles to 2001 Level. Wall Street Journal.
Joint Center for Housing Studies. (2011). State of nations housing. Cambridge, MA: Author. www.jchs.harvard.edu/sites/jchs.harvard.edu/files/son2011.pdf
Joint Center for Housing Studies. (2011). Americas rental housing: Meeting challenges, building on opportunities. Cambridge, MA: Author.
4
NLIHC tabulations of 2007, 2010 ACS PUMS data.
2
3
EXTREMELY LOW INCOME HOUSEHOLDS FACE THE

GREATEST HOUSING NEED
WHAT TYPE OF RENTAL UNIT CAN VULNERABLE HOUSEHOLDS AFFORD?

Rent Affordable to a
Household Relying on SSI
Rent Affordable to an
ELI Household
By 2010, the number of ELI renter households rose to 9.8 million, accounting for one
out of every four renter households. ELI renter households face a tough rental market:
for every 100 such households seeking an apartment, only 30 units both affordable and
available can be found.5 In sum, 6.8 million additional units are required to address the
need for affordable housing among ELI households.6
Despite the immense need, the supply of low-cost rental units is actually shrinking, as
more units are converted to serve higher income tenants or fall into disrepair. According
to recent ACS data, the number of units renting for $500 or less fell by one million from
2007 to 2010, and during that same time period, the number of units renting at $1,250
or more grew by two million units.7
1 out of 4
RENTER HOUSEHOLDS
IS ELI. BUT DESPITE THE
IMMENSE NEED, THE
SUPPLY OF LOW-COST
RENTAL UNITS IS
ACTUALLY SHRINKING.
This years edition of Out of Reach underscores

the great need for additional affordable housing
among ELI households. In 2012, the average
ELI household will earn roughly $20,210 and
can afford to spend no more than $505 on rent.
Yet, this year, the national two-bedroom FMR is
$949, and the one-bedroom FMR is $797, both
far more than the rent ELI households are able
to pay.
Among ELI households, those relying on fixed

incomes face the most limited housing choices.
Roughly 8 million individuals receive Supplemental Security Income (SSI) because they
are elderly, blind or disabled and have few economic resources.8 With the maximum
federal monthly payment of $698 in 2012, Out of Reach estimates that an SSI recipient
can afford rent of only $209.9 SSI is the only source of income for 57% of all recipients.10
Among those reliant on SSI, there is not a single county in the U.S. where even a modest
efficiency apartment, priced according to the FMR, is affordable. By 2010, an estimated
46.2 million people lived in poverty in the United States, the largest poverty estimate
since the Census began to quantify the indicator over fifty years ago.11 With the number
of American households living in poverty on the rise, it is likely that the need for
affordable housing, especially among the lowest income households, will continue to grow.
Year after year, Out of Reach data show that for many extremely low income Americans,
including seniors on fixed incomes and the disabled, a decent apartment remains
incredibly difficult to find.
NLIHC. (2012, February). Housing Spotlight: The Shrinking Supply of Affordable Housing. Washington, D.C.: Author.
Ibid.
NLIHC. (2011, October). Housing Spotlight: Renters Growing Pain. Washington, D.C.: Author.
8
Social Security Administration. (2012). SSI monthly statistics, December 2011. Washington, D.C.: Author. Retrieved January 20, 2012 from: www.socialsecurity.gov/
policy/docs/statcomps/ssi_monthly/2011-12/table01.html
9
Because SSI payments are reduced for beneficiaries who report other sources of income, the average federal payment in December 2011 was $502. However, 45
states supplement the federal payment for all or a subset of recipients, depending on the state. See Appendix A.
10
Social Security Administration. (2011, August). SSI annual statistical report, 2010. Washington, D.C.: Author.
11
U.S. Census Bureau. (2011, September). Income, Poverty, and Health Insurance Coverage in the United States: 2010. www.census.gov/prod/2011pubs/p60-239.pdf.
Washington, D.C.: Census Bureau.
6
2012 One-Bedroom FMR
$209
$505
$797
2012 Two-Bedroom FMR
$949
WAGES REMAIN INSUFFICIENT TO COVER RENTS

While economic indicators have shown signs of growth since mid-2009, opportunities
for economic gains for low income workers have been stunted by the effects of the Great
Recession. Recent analysis of Census data found that families in the bottom fifth of the
income distribution scale saw their incomes decline significantly during the recession,
by 11.3% between 2007 and 2010, while the top fifth only saw losses of 4.5%.12 The poor
have been hit the hardest by the economic downturn, and continue to struggle to recover
from the financial setbacks of this period.
As of November of 2011, retail was leading the way in terms of job openings.13 Low
income service sector workers, including those earning the minimum wage, compose a
sizeable portion of the nations 9.8 million extremely low income renters. Minimum wage
workers, according to federal law, earned $7.25 per hour for 2012. Eighteen states and
D.C. have established minimum wage rates above the federal level. Eight states increased
their minimum wage effective January 1, 2012 due to adjustments based on the cost of
living index. And San Francisco became the first city in the nation to have a minimum
wage of above $10 an hour, as of 2012.
Despite this progress, the number of full-time jobs that a household must work at the
prevailing state minimum wage to afford the average two-bedroom FMR ranges from
1.3 jobs (Puerto Rico) to 4.4 jobs (Hawaii). In other words, in no state can an individual
working full-time at the minimum wage afford a two-bedroom apartment for his or her
family. Overall, there are very few places in the U.S. where even a one-bedroom unit at the
FMR is affordable to someone working full-time at the minimum wage.
According to analysis from the Economic Policy Institute, 78% of minimum wage workers
work at least 20 hours per week and 80% are at least 20 years old, dispelling the myth that
the majority of minimum wage workers are teenagers working part-time after school.14
Minimum wage workers are especially vulnerable to the rising cost of rental housing as
their wages remain stagnant and insufficient to cover their basic needs.
12
Gould, E. and Shierhold, H. (2011, September 14). A lost decade: Poverty and income trends continue to paint a bleak picture for working families. Washington, D.C.:
Economic Policy Institute. www.epi.org/publication/lost-decade-poverty-income-trends-continue/
Rohde, D. (2012, January 5). Yes, were creating jobs, but hows the pay? Reuters. http://blogs.reuters.com/david-rohde/2012/01/05/yes-were-creating-jobs-buthows-the-pay/
14
Cooper, D. (2012, January 4). Most minimum wage workers are not teenagers. Washington, D.C.: Economic Policy Institute. Retrieved from: www.epi.org/publication/
minimum-wage-workers/
13
AFFORDABILITY IS A NATIONAL CONCERN

Housing costs vary across the nation, but uniformly, low income households are likely to
face a grueling search for affordable housing with few decent options available to them.
Nationally, the Housing Wage is highest in Hawaii, where costs of land development
and building materials drive up the cost of housing. California and the highly urbanized
Northeast corridor between Boston and Washington, D.C. also are home to communities
with extremely high housing wages.
HOW MANY HOURS A WEEK MUST A MINIMUM WAGE

EARNER WORK TO AFFORD THE FMR?
Washington State (state minimum wage is $9.04)*
United States (federal minimum wage is $7.25)
101
85
75
Yet, the lack of affordable housing is not an issue constrained to high-cost, urbanized
regions. In fact, according to Out of Reach calculations, a worker earning the renter wage is
unable to afford a two-bedroom unit in nearly every state, unless they pick up extra hours
by cobbling together several jobs. In 28 states, the one-bedroom FMR exceeds the rent
affordable to the average renter. And, in all but one state (WY), the two-bedroom FMR
exceeds the rent affordable to the average renter.
80
66
57
Efficiency
One-Bedroom
Two-Bedroom
*Washington state has the nations highest state minimum wage.
FOR A FULL-TIME INDIVIDUAL EARNING THE

RENTER WAGE, A TWO-BEDROOM UNIT IS
UNAFFORDABLE IN NEARLY EVERY STATE.
WHAT TYPE OF RENTAL UNIT CAN A

RURAL ELI RENTER HOUSEHOLD AFFORD?
Rent Affordable to Average
Nonmetro ELI Renter Household
$403
2012 One-Bedroom FMR (non-metro)
For each state, Out of Reach combines data for counties outside metropolitan areas
and calculates the Housing Wage for these rural communities. Our findings this year
demonstrate that while housing costs are lower in rural areas, these areas also generally
have lower wages than metropolitan areas. To illustrate, Out of Reach 2012 indicates that
the Housing Wage, on average across nonmetropolitan America, is $12.21, still exceeding
the nonmetropolitan renter wage of $9.87. At the state level, the nonmetropolitan
two-bedroom Housing Wage exceeds the renter wage in all but five states.
16
17
U.S. Census Bureau (2010). American Community Survey. Washington, D.C.: Author.
Joint Center for Housing Studies. (2011). State of nations housing. Cambridge, MA: Author.
NLIHC. (2012, February). Housing Spotlight: The Shrinking Supply of Affordable Housing. Washington, D.C.: Author.
$635
2012 Two-Bedroom FMR (non-metro)
WHO IS THE MOST SEVERELY COST BURDENED?

Not Severely Cost Burdened
Severely Cost Burdened
Low income renters continue to struggle to overcome poverty and limited economic
opportunities, while facing rents that are likely to rise in the coming years as demand
grows. In both rural and urbanized America, more renters are not making ends meet: over
half of all renters (53%) are cost burdened, paying over 30% of their income for housing.15
Only 25% of renters faced such a burden in 1960.16 And, of course, this issue affects the
lowest income families more severely than others. Seventy-six percent of ELI renter
households spend more than 50% of their income on housing costs, or have a severe
housing cost burden.17 The rising incidence of housing cost burdens among renters makes
evident the urgent need for expanding the supply of affordable housing.
15
$523
2%
76%
76%
ELI Renter Households
Households earning
over 80% AMI
Source: NLIHC. (2012, February). Housing Spotlight: The Shrinking Supply of Affordable Housing. Washington, D.C.: Author.
AFFORDABLE HOUSING IS A BASIC HUMAN NEED.

MEETING THE NEEDS OF LOW INCOME AMERICANS FOR MORE AVAILABLE AND
AFFORDABLE HOUSING SHOULD THEREFORE BE A TOP PUBLIC POLICY PRIORITY.
CONCLUSIONS
THE NUMBERS IN THIS REPORT
This year, as in years past, Out of Reach speaks to a fundamental truth: a mismatch exists
between the cost of living, the availability of rental assistance and the wages people earn
day to day across the country.
As in past years, Out of Reach 2012 relies on data from HUD, the U.S. Census Bureau,
the Bureau of Labor Statistics, the Department of Labor, and the Social Security
Administration to make its case. See Appendix A for a detailed explanation of data sources
and methodologies.
With the number of low income renters on the rise, the argument for sustaining
affordable housing assistance is timely.
In 2012, a household must earn the equivalent of $37,960 in annual income to afford
the national average two-bedroom FMR of $949 per month.18
Assuming full-time, year-round employment, this translates into a national Housing
Wage of $18.25 in 2012.
This year the housing wage exceeds the average renter wage, $14.15, by over four
dollars and is nearly three times the minimum wage.
Despite the great need for affordable housing units, subsidies for critical affordable
housing programs continue to face the threat of cuts, as do many social safety net
programs. For FY12, HUD suffered cuts of $3.7 billion dollars, 9% below FY11 funding
levels. Although HUD estimates that its public housing capital needs are in excess of $25
billion, the Public Housing Capital Fund received 8% lower funding for FY12.19 The HOME
program, key to the production of many new affordable units at the local level, suffered
a cut of 38% between FY11 and FY12, a cut that is estimated to result in 31,000 fewer
affordable rental homes. Meanwhile, the National Housing Trust Fund (NHTF), which
Congress authorized in 2008, remains unfunded. The NHTF would fund the production
and preservation of homes affordable to the lowest income households. Funding the
NHTF is NLIHCs top priority.
The FMR on which the Housing Wage is based is HUDs best estimate of what a household
seeking a modest rental unit in a short amount of time can expect to pay for rent and
utilities in the current market. Thus, the FMR is an estimate of what a family moving
today can expect to pay for a modest rental home, not what current renters are paying on
average. See Appendix B for information on how HUD calculates the FMR.
Readers are cautioned against comparing statistics in one edition of Out of Reach with
those in another. In recent years, HUD has changed its methodology for calculating FMRs
and incomes. In 2012, the FMR estimates were developed using American Community
Survey (ACS) data as base rents, rather than data from the Decennial Survey. The new
methodology is thought to be an improvement on past practices, but it can introduce
more year-to-year variability into the data. For this reason and others (e.g., changes to the
metropolitan area definitions), readers should not compare this years data to previous
editions of Out of Reach and assume that differences reflect actual market dynamics.
Please consult the appendices and NLIHC research staff for assistance interpreting
changes in the data.
The data in this report and the additional materials and data can be found online at:
WWW.NLIHC.ORG/OOR/2012
An affordable home, providing stability and shelter, is a basic human need. Expanding
the availability of affordable housing to address the unmet need of so many low income
Americans should be a top public policy priority.
18
19
The data contained in this printed version are supplemented by additional data online, such as the Housing Wages for an array of apartment sizes (0-4 bedrooms).
NLIHC. (2012, November 18). Final FY12 budget cuts HUD, rural housing programs. Memo to Members. Washington, D.C.: Author. Retrieved from: http://nlihc.org/detail/article.cfm?article_id=8308
WHERE THE NUMBERS COME FROM
USERS GUIDE
Divide income needed to

afford FMR ($37,960) by 52
(weeks per year) and then by
40 (hours per work week)
($37,960 / 52 = $730; $730 /
40 = $18.25).
HUD median family income estimate

based on data from Census 20062010 American Community Survey
(ACS).
FY 12 HOUSING WAGE
Hourly wage
necessary to
afford 2 BR
UNITED STATES
$18.25
Divide number of renter households

by total number of households (ACS
2006-2010) (38,481,257
/115,455,179 = .33). Then multiply by
100 (.33 x 100 = 33%).
Multiply Annual AMI by .3 to get maximum

amount that can be spent on housing for it to
be affordable ($67,367 x .3 = $20,210). Divide
by 12 to obtain monthly amount ($20,210 / 12
= $1,684).
HOUSING COSTS
Twobedroom
FMR
1
(2012)
$949
Income
needed
to afford
2 BR
FMR
Full-time jobs
at minimum
wage needed
to afford 2 BR
FMR
$37,960
2.5
ACS (2006-2010).
AREA MEDIAN INCOME (AMI)

Annual
AMI
(2012) 2
Rent
affordable
at AMI 3
30%
of AMI
$67,367
$1,684
$20,210
Rent
affordable
at 30%
of AMI
Multiply Annual AMI by .3

($67,367 x .3 = $20,210).
Developed by HUD
annually. See Appendix B.
Multiply the FMR by 12 to get yearly rental cost ($949
x 12 = $11,388). Then divide by .3 to determine the
total income needed to afford $11,388 per year in rent
($11,388 / .3 = $37,960).
Average wage reported by the

Bureau of Labor Statistics (BLS)
for 2010, adjusted to reflect the
income of renter households
relative to all households in the
United States, and projected to
April 1, 2012. See Appendix A.
Multiply 30% of Annual AMI by .3 to get

maximum amount that can be spent on
housing for it to be affordable ($20,210 x
.3 = $6,063). Divide by 12 to obtain
monthly amount ($6,063/ 12 = $505).
Divide income needed to afford the

FMR by 52 (weeks per year) ($37,960 /
52 = $730). Then divide by $7.25 (the
Federal minimum wage) ($730 / $7.25
= 101 hours). Finally, divide by 40
(hours per work week) (101 / 40 = 2.5
full-time jobs).
$505
Full-time
jobs at
mean renter
Rent
wage
affordable needed to
at mean afford 2 BR
wage
FMR
RENTER HOUSEHOLDS
Number
(20062010)
38,481,257
% of total
household
33%
Estimated
mean
renter
hourly
wage 5
$14.15
$736
1.3
Calculate annual income by multiplying

mean renter wage by 40 (hours per
week) and 52 (weeks per year) ($14.15
x 40 x 52 = $29,432). Multiply by .3 to
determine maximum amount that can
be spent on rent ($28,432 x .3 =
$8830). Divide by 12 to obtain
monthly amount ($8830/ 12 = $736).
Divide income needed to afford the FMR by 52

(weeks per year) ($37,960 / 52 = $730). Then
divide by $14.15 (The United States' mean
renter wage) ($730 / $14.15= 52 hours).
Finally, divide by 40 (hours per work week) (52/
40 = 1.3 full-time jobs).
FMR = Fiscal Year 2012 Fair Market Rent (HUD, 2011).

AMI = Fiscal Year 2012 Area Median Income (HUD, 2011).
Affordable rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs.
4
The federal standard for extremely low income households. Does not include HUD-specific adjustments.
2
3
HOW TO USE THE NUMBERS

Renter households
represented 33% of all
households in the United
States.
For a family earning the AMI, monthly rent

of $1,684 or less is affordable.
FY12 HOUSING WAGE
Hourly wage
necessary to
afford 2 BR
UNITED STATES
$18.25
There were 38,481,257 renter

households in the United
States (2006-2010).
The annual median family income in

the United States is $67,367.
HOUSING COSTS
Two
bedroom
FMR
1
(2012)
$949
Income
needed
to afford
2 BR
$37,960
Full-time jobs
at minimum
wage needed
to afford 2 BR
FMR
2.5
The FMR for a two-bedroom

rental unit in the United
States is $949.
RENTER HOUSEHOLDS
Rent
Annual
affordable
AMI
(2012) 2 at AMI 3
Full-time
jobs at mean
Rent
Estimated
Rent
renter wage
affordable Number
mean renter affordable needed to
30%
(2006- % of total hourly wage at mean
at 30%
afford 2 BR
of AMI4 of AMI
2010) household
(2012) 5
wage
FMR
$67,367
$20,210
$1,684
$505
38,481,257
33%
$14.15
$736
1.3
In the United States, an ELI

family (30% of AMI) earns
$20,210 annually.
A renter household needs an annual income of

$37,960 in order for a two-bedroom rental unit at
FMR to be affordable.
For an ELI family earning 30% of the Area

Median Income, monthly rent of $505 or
less is affordable.
If a household earns the equivalent

of a job paying the mean renter
wage, it can afford to spend $736
or less in monthly rent.
USERS GUIDE
A renter household needs to

earn at least $18.25 per hour
in order to afford a twobedroom unit at the FMR.
The estimated mean (average)

renter wage in the United
States is $14.15 (2012).
A renter household needs 1.3 full-time jobs

paying the mean renter wage in order to afford
a two-bedroom rental unit at the FMR.
A renter household needs 2.5 full-time

jobs paying the minimum wage in order
to afford a two-bedroom rental unit at
the FMR.

4
2
3
MOST EXPENSIVE JURISDICTIONS

Housing Wage for
Two-Bedroom FMR
$31.68
$26.02
$25.04
$24.83
$24.68
$23.58
$21.96
$20.26
$19.29
$18.98
TABLES AND MAPS
States1
Hawaii
California
New Jersey
Maryland
New York
Connecticut
Massachusetts
Virginia
New Hampshire
Nevada
Metropolitan Areas
San Francisco, CA HMFA3
Stamford-Norwalk, CT HMFA
4
Honolulu, HI MSA
Nassau-Suffolk, NY HMFA
Orange County, CA HMFA
San Jose-Sunnyvale-Santa Clara, CA HMFA
Westchester County, NY
Bergen-Passaic, NJ HMFA
Danbury, CT HMFA
Washington-Arlington-Alexandria, DC-VA-MD HMFA
Housing Wage for

Two-Bedroom FMR
$36.63
$34.02
$33.98
$32.35
$31.77
$31.21
$30.38
$29.13
$29.08
$28.96
Counties2
San Mateo County, CA
San Francisco County, CA
Marin County, CA
Nantucket County, MA
Honolulu County, HI
Nassau County, NY
Suffolk County, NY
Orange County, CA
Santa Clara County, CA
Westchester County, NY
Housing Wage for

Two-Bedroom FMR
$36.63
$36.63
$36.63
$34.60
$33.98
$32.35
$32.35
$31.77
$31.21
$30.38
Combined Nonmetro Areas

Massachusetts
Hawaii
Housing Wage for

Two-Bedroom FMR
$31.08
$25.79
Connecticut
Alaska
New Hampshire
Maryland
Vermont
California
Colorado
Florida
$19.89
$18.47
$17.42
$17.40
$17.20
$17.16
$15.48
$15.13
Excludes the District of Columbia.

Excludes metropolitan counties in New England.
HMFA = HUD Metro FMR Area. This term indicates that a portion of the Office of Management and Budget (OMB) defined core-based statistical area is in the area to which the income limits and FMRs apply. HUD is required by OMB to alter the name of the metropolitan geographic entities it derives from the
Core Based Statistical Area (CBSA) when the geography is not the same as that established by OMB. CBSA is a collective term meaning both metro and micro areas.
4
MSA = Metropolitan Statistical Area. Geographic entities defined by OMB for use by the Federal statistical agencies in collecting, tabulating and publishing Federal statistics. A metro area contains an urban core of 50,000 or more in population.
2
3
STATES RANKED BY
TWO-BEDROOM HOUSING WAGE
States are ranked from most expensive to least expensive.
Housing Wage for

State
Two-Bedroom FMR
Hawaii
$31.68
$28.96
District of Columbia
California
$26.02
New Jersey
$25.04
Maryland
$24.83
New York
$24.68
Connecticut
$23.58
Massachusetts
$21.96
Virginia
$20.26
New Hampshire
$19.29
Nevada
$18.98
Alaska
$18.94
Vermont
$18.77
Delaware
$18.65
Florida
$18.56
Washington
$18.16
Rhode Island
$17.78
Illinois
$16.78
Arizona
$16.32
Colorado
$16.18
Pennsylvania
$16.06
Texas
$15.88
Oregon
$15.52
Minnesota
$15.50
Maine
$15.10
Georgia
$14.37
Rank
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
State
Wisconsin
Michigan
Louisiana
Utah
North Carolina
Indiana
South Carolina
Ohio
Missouri
Nebraska
Idaho
Kansas
New Mexico
Montana
Tennessee
Alabama
Oklahoma
Wyoming
North Dakota
Iowa
Mississippi
Kentucky
South Dakota
West Virginia
Arkansas
Puerto Rico
Housing Wage for

Two-Bedroom FMR
$14.23
$14.19
$14.15
$13.99
$13.63
$13.43
$13.43
$13.43
$13.34
$13.16
$12.80
$12.70
$12.70
$12.59
$12.56
$12.50
$12.44
$12.42
$12.29
$12.25
$11.97
$11.85
$11.52
$11.50
$11.41
$9.88
TABLES AND MAPS
Rank
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
2012 TWO-BEDROOM HOUSING WAGE
TABLES AND MAPS
Represents the hourly wage that a household must earn (working 40 hours a week, 52 weeks a year)
in order to afford the Fair Market Rent for a two-bedroom unit at 30% of income.
WA : $18.16
ND : $12.29
MT : $12.59
ME : $15.10
MN :
$15.50
OR : $15.52
SD : $11.52
ID : $12.80
WY : $12.42
WI :
$14.23
VT :
$18.77
NY : $24.68
MI : $14.19
IA : $12.25
NE : $13.16
NV : $18.98
UT : $13.99
CA : $26.02
CO : $16.18
KS : $12.70
AZ : $16.32 NM : $12.70
OK : $12.44
PA : $16.06
OH :
IN :
IL :
$16.78 $13.43 $13.43 WV :
$11.50
MO :
VA : $20.26
KY : $11.85
$13.34
TX : $15.88
NJ : $25.04
MD : $24.83
DC : $28.96
DE : $18.65
NC : $13.63
TN : $12.56
AR :
$11.41
MS : AL :
$11.97 $12.50
NH : $19.29
MA : $21.96
RI : $17.78
CT : $23.58
SC : $13.43
GA :
$14.37

$13.34
and Below
Between
$13.35 and $16.78

LA : $14.15
FL : $18.56

Above
$16.78
AK: $18.94
PR : $9.88
HI: $31.68
10
HOURS AT MINIMUM WAGE

NEEDED TO AFFORD RENT
In no state can a minimum wage worker afford a two-bedroom unit at Fair Market Rent,
working a standard 40-hour work week.

MT : 66
OR : 71
ME : 81
ND : 68
MN : 86
VT : 89
ID : 71
SD : 64
WI : 79
NE : 73
NV : 92
NY : 136
MI : 77
WY : 69
IA : 68
PA : 89
IL : 81 IN : 74
UT : 77
OH : 70
WV :
63
CO : 85
CA : 130
KS : 70
AZ : 85
MO : 74
KY : 65
AR : 63
DC : 140
DE : 103
MD : 137
VA : 112
SC : 74
MS : AL : 69
66
NJ :
138
NC : 75
TN : 69
OK : 69
NM : 68
NH : 106
MA : 110
RI : 96
CT : 114
GA : 79

70
Hours or Less

71
- 88 Hours
TX : 88
LA : 78
FL : 97
AK: 98

Above
88 Hours per Week
TABLES AND MAPS
WA : 80
PR : 55
HI: 175
11
STATE SUMMARY
FY12 HOUSING WAGE
TABLES AND MAPS
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Puerto Rico
HOUSING COSTS
Hourly wage necessary to

afford 2 BR FMR
Twobedroom
FMR 1
Income
needed
to afford
2 BR FMR
$12.50
$18.94
$16.32
$11.41
$26.02
$16.18
$23.58
$18.65
$28.96
$18.56
$14.37
$31.68
$12.80
$16.78
$13.43
$12.25
$12.70
$11.85
$14.15
$15.10
$24.83
$21.96
$14.19
$15.50
$11.97
$13.34
$12.59
$13.16
$18.98
$19.29
$25.04
$12.70
$24.68
$13.63
$12.29
$13.43
$12.44
$15.52
$16.06
$9.88
$650
$985
$849
$593
$1,353
$841
$1,226
$970
$1,506
$965
$747
$1,647
$665
$873
$698
$637
$660
$616
$736
$785
$1,291
$1,142
$738
$806
$622
$693
$655
$684
$987
$1,003
$1,302
$660
$1,283
$709
$639
$698
$647
$807
$835
$514
$25,995
$39,399
$33,953
$23,733
$54,127
$33,657
$49,051
$38,784
$60,240
$38,607
$29,899
$65,889
$26,615
$34,912
$27,933
$25,477
$26,415
$24,648
$29,436
$31,413
$51,637
$45,675
$29,512
$32,250
$24,891
$27,737
$26,181
$27,372
$39,481
$40,121
$52,081
$26,406
$51,337
$28,351
$25,571
$27,926
$25,873
$32,289
$33,404
$20,551
Full-time jobs
at minimum
wage needed to
afford 2 BR FMR
1.7
2.4
2.1
1.6
3.3
2.1
2.9
2.6
3.5
2.4
2.0
4.4
1.8
2.0
1.9
1.7
1.8
1.6
2.0
2.0
3.4
2.7
1.9
2.1
1.7
1.8
1.6
1.8
2.3
2.7
3.5
1.7
3.4
1.9
1.7
1.7
1.7
1.8
2.2
1.4
Annual
2
AMI
$55,986
$82,856
$62,570
$51,900
$74,514
$75,460
$91,119
$74,016
$107,500
$58,384
$61,711
$79,828
$58,040
$71,677
$61,908
$65,847
$63,925
$56,155
$56,709
$61,859
$91,917
$84,859
$62,997
$75,607
$48,871
$62,608
$58,717
$65,036
$65,786
$80,580
$88,689
$56,257
$74,049
$59,872
$65,500
$62,850
$56,045
$64,972
$68,939
$23,665
Rent
affordable
at AMI 3
$1,400
$2,071
$1,564
$1,297
$1,863
$1,886
$2,278
$1,850
$2,688
$1,460
$1,543
$1,996
$1,451
$1,792
$1,548
$1,646
$1,598
$1,404
$1,418
$1,546
$2,298
$2,121
$1,575
$1,890
$1,222
$1,565
$1,468
$1,626
$1,645
$2,015
$2,217
$1,406
$1,851
$1,497
$1,638
$1,571
$1,401
$1,624
$1,723
$592
30%
of AMI
$16,796
$24,857
$18,771
$15,570
$22,354
$22,638
$27,336
$22,205
$32,250
$17,515
$18,513
$23,948
$17,412
$21,503
$18,572
$19,754
$19,178
$16,846
$17,013
$18,558
$27,575
$25,458
$18,899
$22,682
$14,661
$18,782
$17,615
$19,511
$19,736
$24,174
$26,607
$16,877
$22,215
$17,962
$19,650
$18,855
$16,813
$19,492
$20,682
$7,100
Rent
affordable
at 30%
of AMI
$420
$621
$469
$389
$559
$566
$683
$555
$806
$438
$463
$599
$435
$538
$464
$494
$479
$421
$425
$464
$689
$636
$472
$567
$367
$470
$440
$488
$493
$604
$665
$422
$555
$449
$491
$471
$420
$487
$517
$177
RENTER HOUSEHOLDS
Number
(20062010)
525,890
87,626
757,955
360,796
5,280,802
622,289
419,234
87,634
145,438
2,166,215
1,136,926
179,848
165,439
1,469,260
701,621
326,042
336,623
505,102
521,150
148,190
656,885
900,733
991,623
537,790
315,367
704,933
124,305
223,737
390,571
140,567
1,049,790
229,527
3,228,552
1,157,690
92,525
1,403,218
451,746
543,123
1,431,969
338,284
Estimated
% of total mean renter
households hourly wage
(2006-2010) (2012)
29%
35%
33%
32%
43%
32%
31%
26%
57%
30%
33%
41%
29%
31%
28%
27%
31%
30%
32%
27%
31%
36%
26%
26%
29%
30%
31%
31%
40%
27%
33%
30%
45%
32%
33%
31%
32%
36%
29%
28%
$10.88
$16.07
$13.93
$10.83
$17.68
$14.07
$15.81
$14.37
$25.17
$13.47
$13.15
$13.61
$10.48
$13.95
$11.12
$10.29
$11.44
$10.76
$12.54
$9.82
$15.06
$16.94
$11.40
$12.17
$10.03
$11.73
$10.16
$10.48
$14.36
$13.13
$16.40
$11.88
$21.45
$12.11
$10.82
$11.20
$11.60
$12.59
$12.86
$6.57
Rent
Full-time jobs at
affordable
mean renter
at mean
wage needed to
wage
afford 2 BR FMR
$566
$835
$724
$563
$920
$732
$822
$747
$1,309
$701
$684
$708
$545
$726
$578
$535
$595
$560
$652
$510
$783
$881
$593
$633
$522
$610
$528
$545
$747
$683
$853
$618
$1,115
$630
$563
$583
$603
$655
$669
$341
1.1
1.2
1.2
1.1
1.5
1.1
1.5
1.3
1.2
1.4
1.1
2.3
1.2
1.2
1.2
1.2
1.1
1.1
1.1
1.5
1.6
1.3
1.2
1.3
1.2
1.1
1.2
1.3
1.3
1.5
1.5
1.1
1.2
1.1
1.1
1.2
1.1
1.2
1.2
1.5

4
2
3
12
STATE SUMMARY
FY12 HOUSING WAGE
Hourly wage necessary to

afford 2 BR FMR
Twobedroom
FMR 1
Income
needed
to afford
2 BR FMR
$17.78
$13.43
$11.52
$12.56
$15.88
$13.99
$18.77
$20.26
$18.16
$11.50
$14.23
$12.42
$924
$698
$599
$653
$826
$727
$976
$1,054
$944
$598
$740
$646
$36,974
$27,929
$23,954
$26,127
$33,039
$29,089
$39,051
$42,143
$37,766
$23,917
$29,603
$25,828
Full-time jobs
at minimum
wage needed to
afford 2 BR FMR
2.4
1.9
1.6
1.7
2.2
1.9
2.2
2.8
2.0
1.6
2.0
1.7
Annual
2
AMI
Rent
affordable
at AMI 3
$76,814
$57,251
$60,281
$56,759
$62,052
$68,103
$68,088
$78,620
$74,839
$51,549
$69,223
$68,595
$1,920
$1,431
$1,507
$1,419
$1,551
$1,703
$1,702
$1,965
$1,871
$1,289
$1,731
$1,715
30%
of AMI
$23,044
$17,175
$18,084
$17,028
$18,616
$20,431
$20,426
$23,586
$22,452
$15,465
$20,767
$20,579
Rent
affordable
at 30%
of AMI
$576
$429
$452
$426
$465
$511
$511
$590
$561
$387
$519
$514
RENTER HOUSEHOLDS
Number
(20062010)
153,760
524,492
98,218
743,489
3,002,018
247,660
73,450
926,272
907,979
188,019
694,003
64,882
Estimated
% of total mean renter
households hourly wage
(2006-2010) (2012)
37%
30%
31%
30%
35%
29%
29%
31%
35%
25%
31%
30%
$11.64
$10.99
$9.61
$12.15
$14.97
$11.75
$11.06
$15.62
$14.62
$9.88
$11.05
$13.60
Rent
Full-time jobs at
affordable
mean renter
at mean
wage needed to
wage
afford 2 BR FMR
$605
$571
$500
$632
$778
$611
$575
$812
$760
$514
$574
$707
1.5
1.2
1.2
1.0
1.1
1.2
1.7
1.3
1.2
1.2
1.3
0.9
TABLES AND MAPS
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
HOUSING COSTS

4
2
3
13
Alabama
In Alabama, the Fair Market Rent (FMR) for a two-bedroom apartment is $650. In order to afford this level of rent
and utilities without paying more than 30% of income on housing a household must earn $2,166 monthly or
$25,995 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a Housing
Wage of:
$12.50
In Alabama, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
apartment, a minimum wage earner must work 69 hours per week, 52 weeks per year. Or a household must include
1.7 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom FMR affordable.
In Alabama, the estimated mean (average) wage for a renter is $10.88. In order to afford the FMR for a two-bedroom
apartment at this wage, a renter must work 46 hours per week, 52 weeks per year. Or, working 40 hours per week
year-round, a household must include 1.1 workers earning the mean renter wage in order to make the two-bedroom
FMR affordable.
Monthly Rent Affordable to Selected Income Levels
Compared with Two-Bedroom FMR
$650
Two-Bedroom FMR
$1,400
Median Income Household
Mean Renter Wage Earner
$84
Extremely Low Income Household
$230
Minimum Wage Earner
$273
SSI Recipient
$441
$566
$420
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
Gap between Rent

Affordable and
FMR
$1,500
14
Alabama
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Alabama
HOUSING COSTS
Full-time jobs
TwoIncome needed at minimum
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
mean renter affordable
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.50
$650
$25,995
1.7
$55,986
$1,400
$16,796
$420
525,890
29%
$10.88
$566
1.1
$10.17
$529
$21,163
1.4
$48,079
$1,202
$14,424
$361
140,511
27%
$9.43
$490
1.1
Anniston-Oxford MSA
$12.15
$632
$25,280
1.7
$52,200
$1,305
$15,660
$392
13,603
29%
$9.21
$479
1.3
Auburn-Opelika MSA
$13.40
$697
$27,880
1.8
$61,400
$1,535
$18,420
$461
19,330
36%
$7.75
$403
1.7
Birmingham-Hoover HMFA
$14.42
$750
$30,000
2.0
$62,800
$1,570
$18,840
$471
110,652
28%
$13.11
$682
1.1
Chilton County HMFA
$10.65
$554
$22,160
1.5
$50,700
$1,268
$15,210
$380
4,128
25%
$8.29
$431
1.3
Columbus MSA
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
7,612
38%
$11.21
$583
1.2
Decatur MSA
$11.21
$583
$23,320
1.5
$55,900
$1,398
$16,770
$419
15,320
26%
$10.86
$565
1.0
Dothan HMFA
$11.12
$578
$23,120
1.5
$51,900
$1,298
$15,570
$389
15,436
32%
$10.26
$534
1.1
Florence-Muscle Shoals MSA
$11.29
$587
$23,480
1.6
$53,700
$1,343
$16,110
$403
16,064
27%
$7.60
$395
1.5
Gadsden MSA
$11.77
$612
$24,480
1.6
$47,600
$1,190
$14,280
$357
11,236
27%
$10.53
$548
1.1
$9.60
$499
$19,960
1.3
$48,400
$1,210
$14,520
$363
1,206
18%
$8.75
$455
1.1
Huntsville MSA
$12.71
$661
$26,440
1.8
$71,700
$1,793
$21,510
$538
44,290
28%
$11.92
$620
1.1
Mobile MSA
$13.73
$714
$28,560
1.9
$51,900
$1,298
$15,570
$389
48,487
32%
$10.83
$563
1.3
Montgomery MSA
$13.90
$723
$28,920
1.9
$60,100
$1,503
$18,030
$451
44,374
32%
$10.81
$562
1.3
Tuscaloosa MSA
$14.50
$754
$30,160
2.0
$56,500
$1,413
$16,950
$424
27,877
35%
$9.46
$492
1.5
Walker County HMFA
$10.65
$554
$22,160
1.5
$48,700
$1,218
$14,610
$365
5,764
22%
$9.22
$479
1.2
Autauga County
$13.90
$723
$28,920
1.9
$60,100
$1,503
$18,030
$451
4,433
22%
$9.37
$487
1.5
Baldwin County
$13.29
$691
$27,640
1.8
$61,200
$1,530
$18,360
$459
16,167
23%
$9.67
$503
1.4
Barbour County
$9.60
$499
$19,960
1.3
$42,700
$1,068
$12,810
$320
3,130
32%
$7.04
$366
1.4
Bibb County
$14.42
$750
$30,000
2.0
$62,800
$1,570
$18,840
$471
1,271
17%
$8.29
$431
1.7
Blount County
$14.42
$750
$30,000
2.0
$62,800
$1,570
$18,840
$471
3,708
18%
$8.86
$461
1.6
Bullock County
$9.60
$499
$19,960
1.3
$36,000
$900
$10,800
$270
861
23%
$4.88
$254
2.0
Butler County
$9.60
$499
$19,960
1.3
$42,400
$1,060
$12,720
$318
2,489
31%
$8.58
$446
1.1
Calhoun County
$12.15
$632
$25,280
1.7
$52,200
$1,305
$15,660
$392
13,603
29%
$9.21
$479
1.3
Chambers County
$10.02
$521
$20,840
1.4
$43,400
$1,085
$13,020
$326
3,917
29%
$9.54
$496
1.0
Cherokee County
$9.60
$499
$19,960
1.3
$50,600
$1,265
$15,180
$380
2,550
22%
$7.67
$399
1.3
Metropolitan Areas
Henry County HMFA
Counties
1: FMR = Fiscal Year 2012 Fair Market Rent (HUD, 2011). 2: AMI = Fiscal Year 2012 Area Median Income (HUD, 2011).
3: "Affordable" rents represent the generally accepted standard of spending not more than 30% of gross income on gross housing costs
4: The federal standard for extremely low income households. Does not include HUD-specific adjustments.
15
Alabama
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Chilton County
$10.65
$554
$22,160
1.5
$50,700
$1,268
$15,210
$380
4,128
25%
$8.29
$431
1.3
Choctaw County
$12.31
$640
$25,600
1.7
$38,800
$970
$11,640
$291
762
14%
$13.93
$725
0.9
Clarke County
$9.60
$499
$19,960
1.3
$43,900
$1,098
$13,170
$329
1,828
20%
$10.60
$551
0.9
Clay County
$9.60
$499
$19,960
1.3
$47,500
$1,188
$14,250
$356
1,591
27%
$7.00
$364
1.4
Cleburne County
$9.63
$501
$20,040
1.3
$43,400
$1,085
$13,020
$326
1,356
25%
$12.96
$674
0.7
Coffee County
$10.08
$524
$20,960
1.4
$57,600
$1,440
$17,280
$432
5,736
30%
$8.87
$461
1.1
Colbert County
$11.29
$587
$23,480
1.6
$53,700
$1,343
$16,110
$403
5,872
26%
$9.98
$519
1.1
Conecuh County
$11.27
$586
$23,440
1.6
$36,800
$920
$11,040
$276
895
18%
$7.28
$379
1.5
Coosa County
0.8
$10.08
$524
$20,960
1.4
$47,800
$1,195
$14,340
$359
742
16%
$12.14
$631
Covington County
$9.60
$499
$19,960
1.3
$45,900
$1,148
$13,770
$344
3,806
26%
$8.40
$437
1.1
Crenshaw County
$9.98
$519
$20,760
1.4
$47,400
$1,185
$14,220
$356
1,814
32%
$10.28
$535
1.0
Cullman County
$9.87
$513
$20,520
1.4
$51,600
$1,290
$15,480
$387
7,902
25%
$9.33
$485
1.1
Dale County
$9.60
$499
$19,960
1.3
$51,600
$1,290
$15,480
$387
7,587
39%
$16.63
$865
0.6
Dallas County
$9.81
$510
$20,400
1.4
$35,300
$883
$10,590
$265
6,286
37%
$8.41
$437
1.2
DeKalb County
$9.60
$499
$19,960
1.3
$44,000
$1,100
$13,200
$330
5,834
22%
$9.30
$484
1.0
Elmore County
$13.90
$723
$28,920
1.9
$60,100
$1,503
$18,030
$451
6,217
22%
$8.95
$465
1.6
$9.60
$499
$19,960
1.3
$45,400
$1,135
$13,620
$341
3,652
26%
$9.89
$514
1.0
Etowah County
$11.77
$612
$24,480
1.6
$47,600
$1,190
$14,280
$357
11,236
27%
$10.53
$548
1.1
Fayette County
$9.60
$499
$19,960
1.3
$46,700
$1,168
$14,010
$350
1,722
24%
$6.82
$355
1.4
Franklin County
$9.60
$499
$19,960
1.3
$45,800
$1,145
$13,740
$344
3,810
31%
$8.71
$453
1.1
Geneva County
$11.12
$578
$23,120
1.5
$51,900
$1,298
$15,570
$389
3,043
28%
$8.23
$428
1.3
Greene County
$14.50
$754
$30,160
2.0
$56,500
$1,413
$16,950
$424
1,017
29%
$13.61
$708
1.1
Hale County
$14.50
$754
$30,160
2.0
$56,500
$1,413
$16,950
$424
1,501
26%
$8.99
$467
1.6
$9.60
$499
$19,960
1.3
$48,400
$1,210
$14,520
$363
1,206
18%
$8.75
$455
1.1
$11.12
$578
$23,120
1.5
$51,900
$1,298
$15,570
$389
12,393
33%
$10.45
$543
1.1
Escambia County
Henry County
Houston County
Jackson County
Jefferson County
$9.60
$499
$19,960
1.3
$48,000
$1,200
$14,400
$360
4,947
23%
$8.21
$427
1.2
$14.42
$750
$30,000
2.0
$62,800
$1,570
$18,840
$471
86,504
33%
$13.61
$708
1.1
1.2
$9.60
$499
$19,960
1.3
$46,100
$1,153
$13,830
$346
1,480
25%
$7.73
$402
Lauderdale County
$11.29
$587
$23,480
1.6
$53,700
$1,343
$16,110
$403
10,192
27%
$6.02
$313
1.9
Lawrence County
$11.21
$583
$23,320
1.5
$55,900
$1,398
$16,770
$419
2,854
21%
$12.28
$638
0.9
Lee County
$13.40
$697
$27,880
1.8
$61,400
$1,535
$18,420
$461
19,330
36%
$7.75
$403
1.7
Lamar County
16
Alabama
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Limestone County
$12.71
$661
$26,440
1.8
$71,700
$1,793
$21,510
$538
6,888
23%
$9.87
$513
1.3
Lowndes County
$13.90
$723
$28,920
1.9
$60,100
$1,503
$18,030
$451
1,035
25%
$12.34
$642
1.1
Macon County
$11.19
$582
$23,280
1.5
$44,600
$1,115
$13,380
$335
2,547
32%
$6.86
$357
1.6
Madison County
$12.71
$661
$26,440
1.8
$71,700
$1,793
$21,510
$538
37,402
30%
$12.12
$630
1.0
Marengo County
$9.60
$499
$19,960
1.3
$41,400
$1,035
$12,420
$311
2,253
27%
$9.16
$476
1.0
Marion County
$9.60
$499
$19,960
1.3
$45,100
$1,128
$13,530
$338
3,079
24%
$7.97
$415
1.2
Marshall County
$9.65
$502
$20,080
1.3
$51,300
$1,283
$15,390
$385
9,478
28%
$7.99
$416
1.2
$13.73
$714
$28,560
1.9
$51,900
$1,298
$15,570
$389
48,487
32%
$10.83
$563
1.3
Mobile County
$9.60
$499
$19,960
1.3
$40,800
$1,020
$12,240
$306
2,407
26%
$11.34
$590
0.8
Montgomery County
$13.90
$723
$28,920
1.9
$60,100
$1,503
$18,030
$451
32,689
37%
$11.17
$581
1.2
Morgan County
$11.21
$583
$23,320
1.5
$55,900
$1,398
$16,770
$419
12,466
27%
$10.69
$556
1.0
Perry County
$9.60
$499
$19,960
1.3
$30,700
$768
$9,210
$230
1,233
32%
$6.63
$345
1.4
Pickens County
$9.92
$516
$20,640
1.4
$40,600
$1,015
$12,180
$305
2,072
26%
$7.12
$370
1.4
Pike County
$9.60
$499
$19,960
1.3
$41,900
$1,048
$12,570
$314
5,690
44%
$8.86
$461
1.1
Randolph County
$9.60
$499
$19,960
1.3
$47,000
$1,175
$14,100
$353
2,055
24%
$8.43
$438
1.1
Russell County
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
7,612
38%
$11.21
$583
1.2
Shelby County
$14.42
$750
$30,000
2.0
$62,800
$1,570
$18,840
$471
13,915
19%
$12.22
$635
1.2
St. Clair County
$14.42
$750
$30,000
2.0
$62,800
$1,570
$18,840
$471
5,254
18%
$9.72
$505
1.5
Sumter County
$9.60
$499
$19,960
1.3
$27,300
$683
$8,190
$205
1,571
32%
$6.83
$355
1.4
Talladega County
$10.04
$522
$20,880
1.4
$47,500
$1,188
$14,250
$356
8,423
27%
$12.30
$639
0.8
Tallapoosa County
$9.60
$499
$19,960
1.3
$51,500
$1,288
$15,450
$386
4,351
27%
$8.35
$434
1.1
Tuscaloosa County
$14.50
$754
$30,160
2.0
$56,500
$1,413
$16,950
$424
25,359
37%
$9.39
$488
1.5
Walker County
$10.65
$554
$22,160
1.5
$48,700
$1,218
$14,610
$365
5,764
22%
$9.22
$479
1.2
Washington County
$9.60
$499
$19,960
1.3
$53,900
$1,348
$16,170
$404
1,135
17%
$14.11
$734
0.7
Wilcox County
$9.60
$499
$19,960
1.3
$28,700
$718
$8,610
$215
867
23%
$8.87
$461
1.1
Winston County
$9.60
$499
$19,960
1.3
$39,400
$985
$11,820
$296
2,486
26%
$7.07
$367
1.4
Monroe County
17
Alaska
In Alaska, the Fair Market Rent (FMR) for a two-bedroom apartment is $985. In order to afford this level of rent and
utilities without paying more than 30% of income on housing a household must earn $3,283 monthly or $39,399
annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a Housing Wage of:
$18.94
In Alaska, a minimum wage worker earns an hourly wage of $7.75. In order to afford the FMR for a two-bedroom
In Alaska, the estimated mean (average) wage for a renter is $16.07. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$985
Two-Bedroom FMR
$2,071
$150
$364
Minimum Wage Earner
$582
SSI Recipient
$776
$835
$621
$403
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
$2,500
18
Alaska
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Alaska
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.94
$985
$39,399
2.4
$82,856
$2,071
$24,857
$621
87,626
35%
$16.07
$835
1.2
$18.47
$961
$38,424
2.4
$72,611
$1,815
$21,783
$545
27,682
35%
$19.06
$991
1.0
Anchorage HMFA
$19.37
$1,007
$40,280
2.5
$85,200
$2,130
$25,560
$639
39,947
38%
$15.43
$802
1.3
Fairbanks MSA
$19.31
$1,004
$40,160
2.5
$92,900
$2,323
$27,870
$697
13,900
40%
$14.25
$741
1.4
Matanuska-Susitna Borough HMFA
$17.46
$908
$36,320
2.3
$90,600
$2,265
$27,180
$680
6,097
21%
$9.21
$479
1.9
Aleutians East Borough
$11.23
$584
$23,360
1.4
$64,800
$1,620
$19,440
$486
109
41%
$16.72
$869
0.7
Aleutians West Census Area
$27.48
$1,429
$57,160
3.5
$83,900
$2,098
$25,170
$629
332
64%
$18.78
$977
1.5
Anchorage Municipality
$19.37
$1,007
$40,280
2.5
$85,200
$2,130
$25,560
$639
39,947
38%
$15.43
$802
1.3
Bethel Census Area
$26.08
$1,356
$54,240
3.4
$60,200
$1,505
$18,060
$452
1,659
39%
$18.20
$946
1.4
Bristol Bay Borough
$18.63
$969
$38,760
2.4
$79,300
$1,983
$23,790
$595
178
43%
$14.61
$760
1.3
Denali Borough
$20.25
$1,053
$42,120
2.6
$97,800
$2,445
$29,340
$734
168
39%
$18.16
$944
1.1
Dillingham Census Area
$18.33
$953
$38,120
2.4
$69,100
$1,728
$20,730
$518
553
39%
$16.64
$865
1.1
Fairbanks North Star Borough
$19.31
$1,004
$40,160
2.5
$92,900
$2,323
$27,870
$697
13,900
40%
$14.25
$741
1.4
Haines Borough
$13.67
$711
$28,440
1.8
$62,700
$1,568
$18,810
$470
190
26%
$12.16
$632
1.1
Hoonah-Angoon Census Area
$17.85
$928
$37,120
2.3
$54,900
$1,373
$16,470
$412
361
36%
$8.01
$417
2.2
Juneau City and Borough
$22.06
$1,147
$45,880
2.8
$94,200
$2,355
$28,260
$707
4,318
36%
$12.06
$627
1.8
Kenai Peninsula Borough
$14.98
$779
$31,160
1.9
$74,400
$1,860
$22,320
$558
6,095
27%
$11.69
$608
1.3
Ketchikan Gateway Borough
$17.29
$899
$35,960
2.2
$78,000
$1,950
$23,400
$585
2,300
41%
$11.56
$601
1.5
Kodiak Island Borough
$18.67
$971
$38,840
2.4
$68,600
$1,715
$20,580
$515
1,801
41%
$14.61
$760
1.3
Lake and Peninsula Borough
$13.12
$682
$27,280
1.7
$58,100
$1,453
$17,430
$436
123
25%
$25.12
$1,306
0.5
Matanuska-Susitna Borough
$17.46
$908
$36,320
2.3
$90,600
$2,265
$27,180
$680
6,097
21%
$9.21
$479
1.9
Nome Census Area
$23.58
$1,226
$49,040
3.0
$53,700
$1,343
$16,110
$403
1,179
44%
$19.13
$995
1.2
North Slope Borough
$19.25
$1,001
$40,040
2.5
$72,900
$1,823
$21,870
$547
1,021
52%
$41.60
$2,163
0.5
Northwest Arctic Borough
$19.73
$1,026
$41,040
2.5
$58,100
$1,453
$17,430
$436
835
46%
$30.16
$1,568
0.7
Petersburg Census Area, Alaska
$20.33
$1,057
$42,280
2.6
$79,700
$1,993
$23,910
$598
363
23%
$9.76
$507
2.1
Prince of Wales-Hyder Census Area
$15.29
$795
$31,800
2.0
$52,800
$1,320
$15,840
$396
739
31%
$14.34
$746
1.1
Sitka City and Borough, Alaska
$19.38
$1,008
$40,320
2.5
$75,700
$1,893
$22,710
$568
1,644
44%
$12.31
$640
1.6
Metropolitan Areas
Counties
19
Alaska
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Skagway Municipality Census Area
$19.44
$1,011
$40,440
2.5
$88,400
$2,210
$26,520
$663
158
41%
$15.99
$831
1.2
Southeast Fairbanks Census Area
$16.71
$869
$34,760
2.2
$63,600
$1,590
$19,080
$477
864
35%
$36.83
$1,915
0.5
Valdez-Cordova Census Area
$14.90
$775
$31,000
1.9
$73,900
$1,848
$22,170
$554
1,113
28%
$15.48
$805
1.0
Wade Hampton Census Area
$13.19
$686
$27,440
1.7
$37,200
$930
$11,160
$279
609
35%
$13.39
$696
1.0
Wrangell City and Borough Census Area
$14.40
$749
$29,960
1.9
$55,900
$1,398
$16,770
$419
212
21%
$11.89
$618
1.2
Yakutat City and Borough
$17.73
$922
$36,880
2.3
$89,900
$2,248
$26,970
$674
100
39%
$14.99
$780
1.2
Yukon-Koyukuk Census Area
$13.50
$702
$28,080
1.7
$47,800
$1,195
$14,340
$359
658
31%
$20.72
$1,077
0.7
20
Arizona
In Arizona, the Fair Market Rent (FMR) for a two-bedroom apartment is $849. In order to afford this level of rent
Wage of:
$16.32
In Arizona, a minimum wage worker earns an hourly wage of $7.65. In order to afford the FMR for a two-bedroom
In Arizona, the estimated mean (average) wage for a renter is $13.93. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$849
Two-Bedroom FMR
$1,564
$125
$380
Minimum Wage Earner
$451
SSI Recipient
$640
$724

$469
$398
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
21
Arizona
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Arizona
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$16.32
$849
$33,953
2.1
$62,570
$1,564
$18,771
$469
757,955
33%
$13.93
$724
1.2
$13.28
$690
$27,614
1.7
$48,259
$1,206
$14,478
$362
44,421
28%
$13.35
$694
1.0
Flagstaff MSA
$17.06
$887
$35,480
2.2
$61,800
$1,545
$18,540
$464
17,643
39%
$11.18
$581
1.5
Lake Havasu City-Kingman MSA
$14.77
$768
$30,720
1.9
$51,200
$1,280
$15,360
$384
22,902
28%
$11.72
$609
1.3
Phoenix-Mesa-Scottsdale MSA *
$16.73
$870
$34,800
2.2
$66,400
$1,660
$19,920
$498
492,017
33%
$14.62
$760
1.1
Prescott MSA
$15.35
$798
$31,920
2.0
$57,700
$1,443
$17,310
$433
24,547
28%
$12.09
$628
1.3
Tucson MSA *
$16.54
$860
$34,400
2.2
$60,400
$1,510
$18,120
$453
135,296
35%
$12.08
$628
1.4
Yuma MSA
$14.08
$732
$29,280
1.8
$44,500
$1,113
$13,350
$334
21,129
30%
$10.12
$526
1.4
Apache County
$11.81
$614
$24,560
1.5
$37,300
$933
$11,190
$280
4,468
24%
$16.28
$847
0.7
Cochise County
$13.54
$704
$28,160
1.8
$55,900
$1,398
$16,770
$419
15,159
31%
$13.33
$693
1.0
Coconino County
$17.06
$887
$35,480
2.2
$61,800
$1,545
$18,540
$464
17,643
39%
$11.18
$581
1.5
Gila County
$14.42
$750
$30,000
1.9
$47,000
$1,175
$14,100
$353
4,271
22%
$13.79
$717
1.0
Graham County
$11.79
$613
$24,520
1.5
$50,300
$1,258
$15,090
$377
3,029
28%
$11.21
$583
1.1
Greenlee County
$15.71
$817
$32,680
2.1
$55,600
$1,390
$16,680
$417
1,767
53%
$33.03
$1,717
0.5
La Paz County
$13.04
$678
$27,120
1.7
$38,500
$963
$11,550
$289
2,502
25%
$8.86
$461
1.5
Maricopa County *
$16.73
$870
$34,800
2.2
$66,400
$1,660
$19,920
$498
465,487
34%
$14.71
$765
1.1
Mohave County
$14.77
$768
$30,720
1.9
$51,200
$1,280
$15,360
$384
22,902
28%
$11.72
$609
1.3
Navajo County
$13.29
$691
$27,640
1.7
$46,900
$1,173
$14,070
$352
9,722
27%
$12.27
$638
1.1
Pima County *
$16.54
$860
$34,400
2.2
$60,400
$1,510
$18,120
$453
135,296
35%
$12.08
$628
1.4
Pinal County *
$16.73
$870
$34,800
2.2
$66,400
$1,660
$19,920
$498
26,530
22%
$11.16
$580
1.5
Santa Cruz County
$12.81
$666
$26,640
1.7
$44,800
$1,120
$13,440
$336
3,503
29%
$9.47
$492
1.4
Yavapai County
$15.35
$798
$31,920
2.0
$57,700
$1,443
$17,310
$433
24,547
28%
$12.09
$628
1.3
Yuma County
$14.08
$732
$29,280
1.8
$44,500
$1,113
$13,350
$334
21,129
30%
$10.12
$526
1.4
Metropolitan Areas
Counties
* 50th percentile FMR (See Appendix A).
22
Arkansas
In Arkansas, the Fair Market Rent (FMR) for a two-bedroom apartment is $593. In order to afford this level of rent
Wage of:
$11.41
In Arkansas, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Arkansas, the estimated mean (average) wage for a renter is $10.83. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$593
Two-Bedroom FMR
$1,297

$563
$30
$389
$204
Minimum Wage Earner
$377
Minimum Wage Earner
$216
SSI Recipient
$384
SSI Recipient
$209
$0
$500
$1,000
$1,500
23
Arkansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Arkansas
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$11.41
$593
$23,733
1.6
$51,900
$1,297
$15,570
$389
360,796
32%
$10.83
$563
1.1
$10.21
$531
$21,233
1.4
$44,261
$1,107
$13,278
$332
130,668
29%
$9.39
$488
1.1
Fayetteville-Springdale-Rogers HMFA
$12.21
$635
$25,400
1.7
$58,200
$1,455
$17,460
$437
58,077
36%
$13.85
$720
0.9
Fort Smith HMFA
$10.69
$556
$22,240
1.5
$48,400
$1,210
$14,520
$363
23,939
34%
$10.47
$545
1.0
Franklin County HMFA
$10.06
$523
$20,920
1.4
$41,700
$1,043
$12,510
$313
1,430
21%
$11.07
$576
0.9
$9.92
$516
$20,640
1.4
$61,300
$1,533
$18,390
$460
1,335
20%
$8.62
$448
1.2
Hot Springs MSA
$11.69
$608
$24,320
1.6
$49,400
$1,235
$14,820
$371
11,989
30%
$9.09
$473
1.3
Jonesboro HMFA
$10.75
$559
$22,360
1.5
$56,000
$1,400
$16,800
$420
13,900
39%
$9.18
$477
1.2
Little Rock-North Little Rock-Conway HMFA
$12.83
$667
$26,680
1.8
$62,300
$1,558
$18,690
$467
90,893
35%
$11.47
$596
1.1
Memphis HMFA
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
7,825
42%
$9.90
$515
1.4
Pine Bluff MSA
$10.71
$557
$22,280
1.5
$48,500
$1,213
$14,550
$364
11,954
34%
$9.47
$493
1.1
$9.92
$516
$20,640
1.4
$41,600
$1,040
$12,480
$312
3,205
34%
$7.71
$401
1.3
$11.96
$622
$24,880
1.6
$51,900
$1,298
$15,570
$389
5,581
34%
$10.06
$523
1.2
Metropolitan Areas
Grant County HMFA
Poinsett County HMFA

Texarkana MSA
Counties
$10.81
$562
$22,480
1.5
$49,800
$1,245
$14,940
$374
2,920
36%
$9.92
$516
1.1
Ashley County
$9.92
$516
$20,640
1.4
$46,100
$1,153
$13,830
$346
2,453
28%
$9.53
$496
1.0
Baxter County
$10.58
$550
$22,000
1.5
$44,400
$1,110
$13,320
$333
4,377
23%
$9.19
$478
1.2
Benton County
$12.21
$635
$25,400
1.7
$58,200
$1,455
$17,460
$437
23,600
30%
$15.29
$795
0.8
Boone County
$10.25
$533
$21,320
1.4
$50,100
$1,253
$15,030
$376
3,903
27%
$10.78
$560
1.0
Bradley County
$9.92
$516
$20,640
1.4
$38,600
$965
$11,580
$290
1,451
30%
$10.87
$565
0.9
Calhoun County
$9.92
$516
$20,640
1.4
$41,600
$1,040
$12,480
$312
379
18%
$18.51
$962
0.5
$10.58
$550
$22,000
1.5
$44,800
$1,120
$13,440
$336
3,486
30%
$8.44
$439
1.3
Chicot County
$9.92
$516
$20,640
1.4
$29,000
$725
$8,700
$218
1,428
30%
$8.61
$448
1.2
Clark County
$10.98
$571
$22,840
1.5
$47,800
$1,195
$14,340
$359
2,702
32%
$7.92
$412
1.4
Clay County
$9.92
$516
$20,640
1.4
$41,600
$1,040
$12,480
$312
1,768
26%
$8.45
$439
1.2
Cleburne County
$10.33
$537
$21,480
1.4
$49,600
$1,240
$14,880
$372
2,372
22%
$8.97
$467
1.2
Cleveland County
$10.71
$557
$22,280
1.5
$48,500
$1,213
$14,550
$364
727
22%
$6.61
$344
1.6
Columbia County
$10.10
$525
$21,000
1.4
$48,400
$1,210
$14,520
$363
2,992
30%
$9.91
$515
1.0
Arkansas County
Carroll County
24
Arkansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Conway County
$10.21
$531
$21,240
1.4
$50,800
$1,270
$15,240
$381
1,990
24%
$8.97
$466
1.1
Craighead County
$10.75
$559
$22,360
1.5
$56,000
$1,400
$16,800
$420
13,900
39%
$9.18
$477
1.2
Crawford County
$10.69
$556
$22,240
1.5
$48,400
$1,210
$14,520
$363
6,184
27%
$8.79
$457
1.2
Crittenden County
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
7,825
42%
$9.90
$515
1.4
Cross County
$10.25
$533
$21,320
1.4
$46,200
$1,155
$13,860
$347
1,948
29%
$7.83
$407
1.3
Dallas County
$9.92
$516
$20,640
1.4
$44,500
$1,113
$13,350
$334
933
30%
$8.19
$426
1.2
Desha County
$9.92
$516
$20,640
1.4
$34,200
$855
$10,260
$257
2,171
41%
$7.55
$393
1.3
Drew County
$9.92
$516
$20,640
1.4
$45,600
$1,140
$13,680
$342
2,396
32%
$8.30
$432
1.2
Faulkner County
$12.83
$667
$26,680
1.8
$62,300
$1,558
$18,690
$467
13,770
34%
$9.85
$512
1.3
Franklin County
$10.06
$523
$20,920
1.4
$41,700
$1,043
$12,510
$313
1,430
21%
$11.07
$576
0.9
$9.92
$516
$20,640
1.4
$42,500
$1,063
$12,750
$319
985
20%
$5.91
$307
1.7
$11.69
$608
$24,320
1.6
$49,400
$1,235
$14,820
$371
11,989
30%
$9.09
$473
1.3
Grant County
$9.92
$516
$20,640
1.4
$61,300
$1,533
$18,390
$460
1,335
20%
$8.62
$448
1.2
Greene County
$10.35
$538
$21,520
1.4
$48,800
$1,220
$14,640
$366
5,538
34%
$9.18
$478
1.1
Hempstead County
$9.92
$516
$20,640
1.4
$42,900
$1,073
$12,870
$322
2,755
32%
$9.30
$484
1.1
Hot Spring County
$9.92
$516
$20,640
1.4
$49,000
$1,225
$14,700
$368
2,872
24%
$11.81
$614
0.8
Fulton County
Garland County
Howard County
Independence County
Izard County
$9.92
$516
$20,640
1.4
$44,200
$1,105
$13,260
$332
1,568
30%
$8.30
$432
1.2
$10.58
$550
$22,000
1.5
$45,300
$1,133
$13,590
$340
4,021
27%
$9.43
$490
1.1
$9.92
$516
$20,640
1.4
$40,100
$1,003
$12,030
$301
1,172
20%
$6.76
$351
1.5
$9.92
$516
$20,640
1.4
$37,300
$933
$11,190
$280
1,933
30%
$8.82
$459
1.1
Jefferson County
$10.71
$557
$22,280
1.5
$48,500
$1,213
$14,550
$364
9,983
36%
$9.74
$506
1.1
Johnson County
$10.25
$533
$21,320
1.4
$42,200
$1,055
$12,660
$317
2,915
31%
$8.90
$463
1.2
Lafayette County
$9.92
$516
$20,640
1.4
$39,200
$980
$11,760
$294
576
21%
$6.49
$338
1.5
Lawrence County
$9.92
$516
$20,640
1.4
$40,800
$1,020
$12,240
$306
2,218
33%
$7.74
$403
1.3
Lee County
$9.92
$516
$20,640
1.4
$34,600
$865
$10,380
$260
1,186
34%
$6.87
$357
1.4
$10.71
$557
$22,280
1.5
$48,500
$1,213
$14,550
$364
1,244
31%
$6.85
$356
1.6
$9.92
$516
$20,640
1.4
$50,200
$1,255
$15,060
$377
1,555
29%
$14.55
$757
0.7
Logan County
$9.92
$516
$20,640
1.4
$48,700
$1,218
$14,610
$365
1,738
21%
$7.73
$402
1.3
Lonoke County
$12.83
$667
$26,680
1.8
$62,300
$1,558
$18,690
$467
6,176
26%
$7.58
$394
1.7
Madison County
$12.21
$635
$25,400
1.7
$58,200
$1,455
$17,460
$437
1,421
25%
$7.89
$410
1.5
Marion County
$10.08
$524
$20,960
1.4
$44,100
$1,103
$13,230
$331
1,334
18%
$6.66
$346
1.5
Jackson County
Lincoln County
Little River County
25
Arkansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$11.96
$622
$24,880
1.6
$51,900
$1,298
$15,570
$389
5,581
34%
$10.06
$523
1.2
Mississippi County
$9.92
$516
$20,640
1.4
$39,800
$995
$11,940
$299
6,892
40%
$12.41
$645
0.8
Monroe County
$9.92
$516
$20,640
1.4
$36,700
$918
$11,010
$275
1,333
39%
$6.48
$337
1.5
$12.38
$644
$25,760
1.7
$45,700
$1,143
$13,710
$343
646
17%
$4.39
$228
2.8
Nevada County
$9.92
$516
$20,640
1.4
$48,500
$1,213
$14,550
$364
1,086
29%
$12.30
$639
0.8
Newton County
$9.92
$516
$20,640
1.4
$40,700
$1,018
$12,210
$305
722
20%
$4.38
$228
2.3
Ouachita County
$9.92
$516
$20,640
1.4
$41,100
$1,028
$12,330
$308
3,239
30%
$8.50
$442
1.2
$12.83
$667
$26,680
1.8
$62,300
$1,558
$18,690
$467
723
18%
$8.27
$430
1.6
Phillips County
$9.92
$516
$20,640
1.4
$31,300
$783
$9,390
$235
3,774
45%
$9.30
$484
1.1
Pike County
$9.92
$516
$20,640
1.4
$43,300
$1,083
$12,990
$325
1,043
25%
$7.20
$374
1.4
Poinsett County
$9.92
$516
$20,640
1.4
$41,600
$1,040
$12,480
$312
3,205
34%
$7.71
$401
1.3
Polk County
$9.92
$516
$20,640
1.4
$42,200
$1,055
$12,660
$317
1,841
23%
$8.08
$420
1.2
Pope County
$10.75
$559
$22,360
1.5
$49,200
$1,230
$14,760
$369
6,818
30%
$9.69
$504
1.1
Prairie County
$9.92
$516
$20,640
1.4
$40,500
$1,013
$12,150
$304
978
27%
$8.24
$428
1.2
Pulaski County
$12.83
$667
$26,680
1.8
$62,300
$1,558
$18,690
$467
61,488
40%
$12.23
$636
1.0
Miller County
Montgomery County
Perry County
$9.92
$516
$20,640
1.4
$45,500
$1,138
$13,650
$341
1,696
23%
$6.68
$347
1.5
Saline County
$12.83
$667
$26,680
1.8
$62,300
$1,558
$18,690
$467
8,736
22%
$8.43
$438
1.5
Scott County
$9.92
$516
$20,640
1.4
$40,200
$1,005
$12,060
$302
1,079
25%
$7.02
$365
1.4
Searcy County
$9.92
$516
$20,640
1.4
$38,800
$970
$11,640
$291
864
25%
$4.67
$243
2.1
Randolph County
$10.69
$556
$22,240
1.5
$48,400
$1,210
$14,520
$363
17,755
37%
$10.96
$570
1.0
Sevier County
$9.92
$516
$20,640
1.4
$42,300
$1,058
$12,690
$317
1,511
26%
$7.93
$412
1.3
Sharp County
$9.92
$516
$20,640
1.4
$39,800
$995
$11,940
$299
1,382
19%
$6.34
$330
1.6
$10.77
$560
$22,400
1.5
$35,400
$885
$10,620
$266
3,749
41%
$8.61
$448
1.3
Stone County
$9.92
$516
$20,640
1.4
$35,600
$890
$10,680
$267
971
20%
$6.28
$327
1.6
Union County
$10.48
$545
$21,800
1.4
$49,200
$1,230
$14,760
$369
4,831
29%
$11.21
$583
0.9
Sebastian County
St. Francis County
$9.92
$516
$20,640
1.4
$42,800
$1,070
$12,840
$321
1,517
21%
$8.05
$418
1.2
Washington County
$12.21
$635
$25,400
1.7
$58,200
$1,455
$17,460
$437
33,056
44%
$12.46
$648
1.0
White County
$10.31
$536
$21,440
1.4
$47,700
$1,193
$14,310
$358
9,016
31%
$10.55
$549
1.0
Woodruff County
$9.92
$516
$20,640
1.4
$36,400
$910
$10,920
$273
1,279
38%
$7.90
$411
1.3
Yell County
$9.92
$516
$20,640
1.4
$43,100
$1,078
$12,930
$323
2,366
30%
$7.48
$389
1.3
Van Buren County
26
California
In California, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,353. In order to afford this level of rent
Wage of:
$26.02
In California, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a two-bedroom
In California, the estimated mean (average) wage for a renter is $17.68. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 59 hours per week, 52 weeks per year. Or, working 40 hours per
week year-round, a household must include 1.5 workers earning the mean renter wage in order to make the twobedroom FMR affordable.
$1,353
Two-Bedroom FMR
$1,863
$433
$794
Minimum Wage Earner
$937
$920

$559
$416
Minimum Wage Earner

SSI Recipient
$256
$0
$500
Gap between Rent

Affordable and
FMR
SSI Recipient
$1,000
$1,500
$1,097
$2,000
27
California
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
California
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$26.02
$1,353
$54,127
3.3
$74,514
$1,863
$22,354
$559
5,280,802
43%
$17.68
$920
1.5
$17.16
$892
$35,693
2.1
$59,270
$1,482
$17,781
$445
111,277
33%
$10.80
$562
1.6
Bakersfield MSA
$15.25
$793
$31,720
1.9
$54,100
$1,353
$16,230
$406
95,773
39%
$12.28
$639
1.2
Chico MSA
$17.23
$896
$35,840
2.2
$58,700
$1,468
$17,610
$440
33,144
39%
$11.16
$581
1.5
El Centro MSA
$14.44
$751
$30,040
1.8
$45,000
$1,125
$13,500
$338
20,525
43%
$7.82
$406
1.8
Fresno MSA
$15.94
$829
$33,160
2.0
$55,500
$1,388
$16,650
$416
127,704
45%
$10.75
$559
1.5
Hanford-Corcoran MSA
$15.67
$815
$32,600
2.0
$54,300
$1,358
$16,290
$407
17,868
44%
$11.81
$614
1.3
Los Angeles-Long Beach HMFA
$27.83
$1,447
$57,880
3.5
$64,800
$1,620
$19,440
$486
1,665,798
52%
$18.22
$947
1.5
Madera-Chowchilla MSA
$15.42
$802
$32,080
1.9
$54,600
$1,365
$16,380
$410
15,554
37%
$11.19
$582
1.4
Merced MSA
$15.17
$789
$31,560
1.9
$51,200
$1,280
$15,360
$384
32,451
44%
$10.12
$526
1.5
Modesto MSA
$18.31
$952
$38,080
2.3
$62,000
$1,550
$18,600
$465
62,015
38%
$11.35
$590
1.6
Napa MSA
$25.13
$1,307
$52,280
3.1
$86,100
$2,153
$25,830
$646
17,183
35%
$14.42
$750
1.7
Oakland-Fremont HMFA
$26.96
$1,402
$56,080
3.4
$93,500
$2,338
$28,050
$701
351,029
39%
$18.33
$953
1.5
Orange County HMFA *
$31.77
$1,652
$66,080
4.0
$85,300
$2,133
$25,590
$640
385,471
39%
$18.04
$938
1.8
Oxnard-Thousand Oaks-Ventura MSA
$27.62
$1,436
$57,440
3.5
$89,300
$2,233
$26,790
$670
88,853
34%
$14.91
$775
1.9
Redding MSA
$16.21
$843
$33,720
2.0
$59,000
$1,475
$17,700
$443
23,526
34%
$10.61
$552
1.5
Riverside-San Bernardino-Ontario MSA *
$22.10
$1,149
$45,960
2.8
$63,300
$1,583
$18,990
$475
407,778
32%
$11.89
$618
1.9
Sacramento--Arden-Arcade--Roseville HMFA *
$19.63
$1,021
$40,840
2.5
$76,100
$1,903
$22,830
$571
257,058
36%
$14.22
$740
1.4
Salinas MSA
$22.83
$1,187
$47,480
2.9
$68,700
$1,718
$20,610
$515
58,232
47%
$13.49
$702
1.7
San Benito County HMFA
$23.15
$1,204
$48,160
2.9
$79,300
$1,983
$23,790
$595
6,005
36%
$9.68
$503
2.4
San Diego-Carlsbad-San Marcos MSA
$26.50
$1,378
$55,120
3.3
$75,900
$1,898
$22,770
$569
467,844
44%
$17.01
$885
1.6
San Francisco HMFA
$36.63
$1,905
$76,200
4.6
$103,000
$2,575
$30,900
$773
346,544
50%
$26.97
$1,402
1.4
San Jose-Sunnyvale-Santa Clara HMFA
$31.21
$1,623
$64,920
3.9
$105,000
$2,625
$31,500
$788
243,348
41%
$31.46
$1,636
1.0
San Luis Obispo-Paso Robles MSA
$22.35
$1,162
$46,480
2.8
$75,400
$1,885
$22,620
$566
39,554
39%
$11.33
$589
2.0
Santa Barbara-Santa Maria-Goleta MSA
$25.85
$1,344
$53,760
3.2
$73,300
$1,833
$21,990
$550
65,036
46%
$15.07
$784
1.7
Santa Cruz-Watsonville MSA
$28.92
$1,504
$60,160
3.6
$87,000
$2,175
$26,100
$653
37,924
40%
$12.31
$640
2.4
Santa Rosa-Petaluma MSA
$22.65
$1,178
$47,120
2.8
$82,600
$2,065
$24,780
$620
69,246
38%
$14.59
$759
1.6
Stockton MSA
$17.38
$904
$36,160
2.2
$66,300
$1,658
$19,890
$497
81,548
38%
$11.69
$608
1.5
Vallejo-Fairfield MSA
$23.63
$1,229
$49,160
3.0
$82,600
$2,065
$24,780
$620
47,564
34%
$14.18
$737
1.7
Metropolitan Areas
28
California
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Visalia-Porterville MSA
$13.94
$725
$29,000
1.7
$49,500
$1,238
$14,850
$371
51,583
41%
$9.55
$497
1.5
Yolo HMFA
$19.08
$992
$39,680
2.4
$76,900
$1,923
$23,070
$577
31,838
46%
$12.78
$664
1.5
Yuba City MSA
$16.48
$857
$34,280
2.1
$59,400
$1,485
$17,820
$446
21,529
39%
$11.17
$581
1.5
Alameda County
$26.96
$1,402
$56,080
3.4
$93,500
$2,338
$28,050
$701
238,749
45%
$19.20
$999
1.4
Alpine County
$16.65
$866
$34,640
2.1
$84,800
$2,120
$25,440
$636
109
27%
$9.31
$484
1.8
Amador County
$20.92
$1,088
$43,520
2.6
$67,700
$1,693
$20,310
$508
3,343
23%
$11.68
$608
1.8
Butte County
$17.23
$896
$35,840
2.2
$58,700
$1,468
$17,610
$440
33,144
39%
$11.16
$581
1.5
Calaveras County
$16.37
$851
$34,040
2.0
$69,700
$1,743
$20,910
$523
3,978
21%
$10.27
$534
1.6
Colusa County
$14.54
$756
$30,240
1.8
$55,000
$1,375
$16,500
$413
2,482
36%
$11.93
$620
1.2
Contra Costa County
$26.96
$1,402
$56,080
3.4
$93,500
$2,338
$28,050
$701
112,280
31%
$16.58
$862
1.6
Del Norte County
$14.75
$767
$30,680
1.8
$54,600
$1,365
$16,380
$410
3,875
39%
$9.16
$476
1.6
El Dorado County *
$19.63
$1,021
$40,840
2.5
$76,100
$1,903
$22,830
$571
16,041
23%
$11.24
$584
1.7
Fresno County
$15.94
$829
$33,160
2.0
$55,500
$1,388
$16,650
$416
127,704
45%
$10.75
$559
1.5
Glenn County
$14.21
$739
$29,560
1.8
$50,700
$1,268
$15,210
$380
3,142
33%
$8.68
$451
1.6
Humboldt County
$16.96
$882
$35,280
2.1
$55,600
$1,390
$16,680
$417
23,036
42%
$10.37
$539
1.6
Imperial County
$14.44
$751
$30,040
1.8
$45,000
$1,125
$13,500
$338
20,525
43%
$7.82
$406
1.8
Inyo County
$15.15
$788
$31,520
1.9
$65,500
$1,638
$19,650
$491
2,873
36%
$10.63
$553
1.4
Kern County
$15.25
$793
$31,720
1.9
$54,100
$1,353
$16,230
$406
95,773
39%
$12.28
$639
1.2
Kings County
$15.67
$815
$32,600
2.0
$54,300
$1,358
$16,290
$407
17,868
44%
$11.81
$614
1.3
Lake County
$17.21
$895
$35,800
2.2
$55,000
$1,375
$16,500
$413
8,278
33%
$9.54
$496
1.8
Lassen County
$17.06
$887
$35,480
2.1
$61,700
$1,543
$18,510
$463
3,731
36%
$9.60
$499
1.8
Los Angeles County
$27.83
$1,447
$57,880
3.5
$64,800
$1,620
$19,440
$486
1,665,798
52%
$18.22
$947
1.5
Madera County
$15.42
$802
$32,080
1.9
$54,600
$1,365
$16,380
$410
15,554
37%
$11.19
$582
1.4
Marin County
$36.63
$1,905
$76,200
4.6
$103,000
$2,575
$30,900
$773
37,007
36%
$16.92
$880
2.2
Mariposa County
$15.98
$831
$33,240
2.0
$59,500
$1,488
$17,850
$446
2,314
30%
$7.07
$368
2.3
Mendocino County
$18.67
$971
$38,840
2.3
$55,300
$1,383
$16,590
$415
12,773
37%
$10.84
$564
1.7
Merced County
$15.17
$789
$31,560
1.9
$51,200
$1,280
$15,360
$384
32,451
44%
$10.12
$526
1.5
Modoc County
$11.23
$584
$23,360
1.4
$47,300
$1,183
$14,190
$355
1,187
30%
$9.23
$480
1.2
Mono County
$23.56
$1,225
$49,000
2.9
$75,500
$1,888
$22,650
$566
2,305
44%
$9.74
$507
2.4
Counties
29
California
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Monterey County
$22.83
$1,187
$47,480
2.9
$68,700
$1,718
$20,610
$515
58,232
47%
$13.49
$702
1.7
Napa County
$25.13
$1,307
$52,280
3.1
$86,100
$2,153
$25,830
$646
17,183
35%
$14.42
$750
1.7
Nevada County
$20.98
$1,091
$43,640
2.6
$72,600
$1,815
$21,780
$545
10,724
26%
$13.29
$691
1.6
Orange County *
$31.77
$1,652
$66,080
4.0
$85,300
$2,133
$25,590
$640
385,471
39%
$18.04
$938
1.8
Placer County *
$19.63
$1,021
$40,840
2.5
$76,100
$1,903
$22,830
$571
34,947
27%
$13.17
$685
1.5
Plumas County
$18.19
$946
$37,840
2.3
$56,700
$1,418
$17,010
$425
3,475
34%
$11.62
$604
1.6
Riverside County *
$22.10
$1,149
$45,960
2.8
$63,300
$1,583
$18,990
$475
199,820
30%
$11.32
$589
2.0
Sacramento County *
$19.63
$1,021
$40,840
2.5
$76,100
$1,903
$22,830
$571
206,070
41%
$14.78
$769
1.3
San Benito County
$23.15
$1,204
$48,160
2.9
$79,300
$1,983
$23,790
$595
6,005
36%
$9.68
$503
2.4
San Bernardino County *
$22.10
$1,149
$45,960
2.8
$63,300
$1,583
$18,990
$475
207,958
35%
$12.40
$645
1.8
San Diego County
$26.50
$1,378
$55,120
3.3
$75,900
$1,898
$22,770
$569
467,844
44%
$17.01
$885
1.6
San Francisco County
$36.63
$1,905
$76,200
4.6
$103,000
$2,575
$30,900
$773
209,928
62%
$28.97
$1,506
1.3
San Joaquin County
$17.38
$904
$36,160
2.2
$66,300
$1,658
$19,890
$497
81,548
38%
$11.69
$608
1.5
San Luis Obispo County
$22.35
$1,162
$46,480
2.8
$75,400
$1,885
$22,620
$566
39,554
39%
$11.33
$589
2.0
San Mateo County
$36.63
$1,905
$76,200
4.6
$103,000
$2,575
$30,900
$773
99,609
39%
$26.91
$1,400
1.4
Santa Barbara County
$25.85
$1,344
$53,760
3.2
$73,300
$1,833
$21,990
$550
65,036
46%
$15.07
$784
1.7
Santa Clara County
$31.21
$1,623
$64,920
3.9
$105,000
$2,625
$31,500
$788
243,348
41%
$31.46
$1,636
1.0
Santa Cruz County
$28.92
$1,504
$60,160
3.6
$87,000
$2,175
$26,100
$653
37,924
40%
$12.31
$640
2.4
Shasta County
$16.21
$843
$33,720
2.0
$59,000
$1,475
$17,700
$443
23,526
34%
$10.61
$552
1.5
Sierra County
$15.38
$800
$32,000
1.9
$71,800
$1,795
$21,540
$539
286
20%
$4.00
$208
3.8
Siskiyou County
$13.85
$720
$28,800
1.7
$50,400
$1,260
$15,120
$378
6,999
35%
$9.72
$505
1.4
Solano County
$23.63
$1,229
$49,160
3.0
$82,600
$2,065
$24,780
$620
47,564
34%
$14.18
$737
1.7
Sonoma County
$22.65
$1,178
$47,120
2.8
$82,600
$2,065
$24,780
$620
69,246
38%
$14.59
$759
1.6
Stanislaus County
$18.31
$952
$38,080
2.3
$62,000
$1,550
$18,600
$465
62,015
38%
$11.35
$590
1.6
Sutter County
$16.48
$857
$34,280
2.1
$59,400
$1,485
$17,820
$446
11,993
38%
$10.53
$547
1.6
Tehama County
$14.94
$777
$31,080
1.9
$46,200
$1,155
$13,860
$347
8,194
35%
$12.30
$640
1.2
Trinity County
$13.56
$705
$28,200
1.7
$48,300
$1,208
$14,490
$362
1,561
27%
$8.50
$442
1.6
Tulare County
$13.94
$725
$29,000
1.7
$49,500
$1,238
$14,850
$371
51,583
41%
$9.55
$497
1.5
Tuolumne County
$17.87
$929
$37,160
2.2
$66,700
$1,668
$20,010
$500
6,612
30%
$10.85
$564
1.6
Ventura County
$27.62
$1,436
$57,440
3.5
$89,300
$2,233
$26,790
$670
88,853
34%
$14.91
$775
1.9
Yolo County
$19.08
$992
$39,680
2.4
$76,900
$1,923
$23,070
$577
31,838
46%
$12.78
$664
1.5
30
California
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Yuba County
$16.48
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
$857
$34,280
2.1
Annual
2
AMI
$59,400
Rent
affordable
at AMI 3
$1,485
30%
4
of AMI
$17,820
Rent
affordable
at 30%
of AMI
$446
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
9,536
40%
Estimated
Rent
hourly wage at mean
wage
(2012)
$12.75
$663
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
1.3
31
Colorado
In Colorado, the Fair Market Rent (FMR) for a two-bedroom apartment is $841. In order to afford this level of rent
Wage of:
$16.18
In Colorado, a minimum wage worker earns an hourly wage of $7.64. In order to afford the FMR for a two-bedroom
In Colorado, the estimated mean (average) wage for a renter is $14.07. In order to afford the FMR for a two-bedroom
FMR affordable.
$841
Two-Bedroom FMR
$1,886
$109
$275
Minimum Wage Earner
$444
SSI Recipient
$632
$732
$566
$397
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
Gap between Rent

Affordable and
FMR
$2,000
32
Colorado
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Colorado
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$16.18
$841
$33,657
2.1
$75,460
$1,886
$22,638
$566
622,289
32%
$14.07
$732
1.1
$15.48
$805
$32,206
2.0
$63,544
$1,589
$19,063
$477
77,457
29%
$11.95
$622
1.3
Boulder MSA
$18.98
$987
$39,480
2.5
$93,800
$2,345
$28,140
$704
42,440
36%
$14.45
$751
1.3
Colorado Springs HMFA
$14.54
$756
$30,240
1.9
$73,400
$1,835
$22,020
$551
75,782
33%
$12.54
$652
1.2
Denver-Aurora-Broomfield MSA
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
328,371
34%
$15.76
$819
1.1
Fort Collins-Loveland MSA
$14.35
$746
$29,840
1.9
$77,700
$1,943
$23,310
$583
38,197
33%
$10.71
$557
1.3
Grand Junction MSA
$13.17
$685
$27,400
1.7
$65,200
$1,630
$19,560
$489
15,803
28%
$11.27
$586
1.2
Greeley MSA
$13.21
$687
$27,480
1.7
$68,400
$1,710
$20,520
$513
24,552
28%
$10.25
$533
1.3
Pueblo MSA
$12.23
$636
$25,440
1.6
$53,600
$1,340
$16,080
$402
18,504
30%
$8.67
$451
1.4
Teller County HMFA
$14.29
$743
$29,720
1.9
$72,300
$1,808
$21,690
$542
1,183
13%
$7.68
$399
1.9
Metropolitan Areas
Counties
Adams County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
46,814
32%
$12.94
$673
Alamosa County
$11.40
$593
$23,720
1.5
$47,200
$1,180
$14,160
$354
2,134
37%
$7.28
$378
1.3
1.6
Arapahoe County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
74,562
34%
$15.52
$807
1.1
Archuleta County
$15.23
$792
$31,680
2.0
$68,200
$1,705
$20,460
$512
578
17%
$8.17
$425
1.9
Baca County
$11.23
$584
$23,360
1.5
$44,800
$1,120
$13,440
$336
422
25%
$10.99
$571
1.0
Bent County
$11.31
$588
$23,520
1.5
$46,300
$1,158
$13,890
$347
630
33%
$10.31
$536
1.1
Boulder County
$18.98
$987
$39,480
2.5
$93,800
$2,345
$28,140
$704
42,440
36%
$14.45
$751
1.3
Broomfield County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
5,153
26%
$18.24
$948
0.9
Chaffee County
$13.06
$679
$27,160
1.7
$57,200
$1,430
$17,160
$429
1,707
23%
$8.57
$445
1.5
Cheyenne County
$11.23
$584
$23,360
1.5
$63,500
$1,588
$19,050
$476
162
20%
$14.09
$733
0.8
Clear Creek County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
777
19%
$12.60
$655
1.4
Conejos County
$11.94
$621
$24,840
1.6
$40,400
$1,010
$12,120
$303
757
24%
$9.06
$471
1.3
Costilla County
$11.23
$584
$23,360
1.5
$39,600
$990
$11,880
$297
369
25%
$6.29
$327
1.8
Crowley County
$11.23
$584
$23,360
1.5
$43,800
$1,095
$13,140
$329
302
26%
$9.18
$477
1.2
Custer County
$13.25
$689
$27,560
1.7
$54,900
$1,373
$16,470
$412
361
20%
$7.91
$411
1.7
Delta County
$13.44
$699
$27,960
1.8
$50,900
$1,273
$15,270
$382
3,269
26%
$9.95
$517
1.4
Denver County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
120,629
47%
$18.27
$950
0.9
33
Colorado
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Dolores County
$11.23
$584
$23,360
1.5
$54,100
$1,353
$16,230
$406
173
22%
$9.23
$480
1.2
Douglas County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
17,229
17%
$14.76
$768
1.2
Eagle County
$23.56
$1,225
$49,000
3.1
$84,800
$2,120
$25,440
$636
6,314
35%
$13.56
$705
1.7
El Paso County
$14.54
$756
$30,240
1.9
$73,400
$1,835
$22,020
$551
75,782
33%
$12.54
$652
1.2
Elbert County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
705
9%
$8.63
$449
2.0
Fremont County
$11.90
$619
$24,760
1.6
$50,600
$1,265
$15,180
$380
3,936
23%
$7.44
$387
1.6
Garfield County
$18.62
$968
$38,720
2.4
$77,900
$1,948
$23,370
$584
6,497
33%
$15.00
$780
1.2
Gilpin County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
713
28%
$9.23
$480
1.9
Grand County
$15.40
$801
$32,040
2.0
$71,800
$1,795
$21,540
$539
1,231
23%
$9.09
$473
1.7
Gunnison County
$15.58
$810
$32,400
2.0
$65,400
$1,635
$19,620
$491
2,542
41%
$12.03
$625
1.3
Hinsdale County
$13.81
$718
$28,720
1.8
$70,400
$1,760
$21,120
$528
42
16%
$5.87
$305
2.4
Huerfano County
$11.23
$584
$23,360
1.5
$49,200
$1,230
$14,760
$369
881
28%
$7.30
$380
1.5
Jackson County
$13.25
$689
$27,560
1.7
$41,500
$1,038
$12,450
$311
191
28%
$11.83
$615
1.1
Jefferson County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
60,937
28%
$13.36
$695
1.3
Kiowa County
$11.23
$584
$23,360
1.5
$60,400
$1,510
$18,120
$453
236
33%
$16.76
$872
0.7
Kit Carson County
$11.23
$584
$23,360
1.5
$57,700
$1,443
$17,310
$433
925
31%
$11.84
$615
0.9
La Plata County
$17.02
$885
$35,400
2.2
$74,100
$1,853
$22,230
$556
6,336
31%
$13.62
$708
1.2
Lake County
$16.88
$878
$35,120
2.2
$48,900
$1,223
$14,670
$367
901
33%
$7.84
$408
2.2
Larimer County
$14.35
$746
$29,840
1.9
$77,700
$1,943
$23,310
$583
38,197
33%
$10.71
$557
1.3
Las Animas County
$12.98
$675
$27,000
1.7
$47,900
$1,198
$14,370
$359
1,959
31%
$10.47
$544
1.2
Lincoln County
$12.60
$655
$26,200
1.6
$50,100
$1,253
$15,030
$376
560
29%
$8.90
$463
1.4
Logan County
$11.35
$590
$23,600
1.5
$57,600
$1,440
$17,280
$432
2,586
32%
$11.11
$578
1.0
Mesa County
$13.17
$685
$27,400
1.7
$65,200
$1,630
$19,560
$489
15,803
28%
$11.27
$586
1.2
Mineral County
$17.10
$889
$35,560
2.2
$65,100
$1,628
$19,530
$488
60
14%
$7.56
$393
2.3
Moffat County
$12.60
$655
$26,200
1.6
$63,800
$1,595
$19,140
$479
1,335
25%
$14.08
$732
0.9
Montezuma County
$11.23
$584
$23,360
1.5
$55,900
$1,398
$16,770
$419
3,000
27%
$8.08
$420
1.4
Montrose County
$13.62
$708
$28,320
1.8
$56,500
$1,413
$16,950
$424
4,148
25%
$10.25
$533
1.3
Morgan County
$13.19
$686
$27,440
1.7
$50,800
$1,270
$15,240
$381
3,402
33%
$12.38
$644
1.1
Otero County
$11.56
$601
$24,040
1.5
$42,900
$1,073
$12,870
$322
2,586
34%
$7.82
$407
1.5
Ouray County
$18.98
$987
$39,480
2.5
$68,300
$1,708
$20,490
$512
438
26%
$10.41
$541
1.8
Park County
$17.17
$893
$35,720
2.2
$79,300
$1,983
$23,790
$595
852
12%
$11.82
$614
1.5
34
Colorado
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Phillips County
$11.58
$602
$24,080
1.5
$53,400
$1,335
$16,020
$401
498
27%
$10.30
$536
1.1
Pitkin County
$23.92
$1,244
$49,760
3.1
$104,500
$2,613
$31,350
$784
2,782
38%
$16.97
$883
1.4
Prowers County
$11.23
$584
$23,360
1.5
$47,400
$1,185
$14,220
$356
1,635
33%
$8.02
$417
1.4
Pueblo County
$12.23
$636
$25,440
1.6
$53,600
$1,340
$16,080
$402
18,504
30%
$8.67
$451
1.4
Rio Blanco County
$11.38
$592
$23,680
1.5
$70,600
$1,765
$21,180
$530
680
26%
$17.20
$894
0.7
Rio Grande County
$11.23
$584
$23,360
1.5
$53,700
$1,343
$16,110
$403
766
21%
$7.61
$396
1.5
Routt County
$20.00
$1,040
$41,600
2.6
$81,200
$2,030
$24,360
$609
2,628
26%
$14.81
$770
1.4
Saguache County
$11.50
$598
$23,920
1.5
$38,100
$953
$11,430
$286
852
32%
$9.10
$473
1.3
San Juan County
$16.00
$832
$33,280
2.1
$68,000
$1,700
$20,400
$510
188
46%
$8.13
$423
2.0
San Miguel County
$15.37
$799
$31,960
2.0
$85,400
$2,135
$25,620
$641
1,151
36%
$11.54
$600
1.3
Sedgwick County
$11.23
$584
$23,360
1.5
$54,600
$1,365
$16,380
$410
274
27%
$8.23
$428
1.4
Summit County
$22.83
$1,187
$47,480
3.0
$89,800
$2,245
$26,940
$674
3,116
30%
$11.99
$623
1.9
Teller County
$14.29
$743
$29,720
1.9
$72,300
$1,808
$21,690
$542
1,183
13%
$7.68
$399
1.9
Washington County
$11.27
$586
$23,440
1.5
$51,600
$1,290
$15,480
$387
693
32%
$12.52
$651
0.9
Weld County
$13.21
$687
$27,480
1.7
$68,400
$1,710
$20,520
$513
24,552
28%
$10.25
$533
1.3
Yuma County
$11.23
$584
$23,360
1.5
$47,300
$1,183
$14,190
$355
1,224
31%
$11.77
$612
1.0
35
Connecticut
In Connecticut, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,226. In order to afford this level of
rent and utilities without paying more than 30% of income on housing a household must earn $4,088 monthly or
Wage of:
$23.58
In Connecticut, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 114 hours per week, 52 weeks per year. Or a household
must include 2.9 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom
FMR affordable.
In Connecticut, the estimated mean (average) wage for a renter is $15.81. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 60 hours per week, 52 weeks per year. Or, working 40 hours per
$1,226
Two-Bedroom FMR
$2,278
$404
$543
Minimum Wage Earner
$797
$822
$683
$429
Minimum Wage Earner

SSI Recipient
$209
$0
Gap between Rent

Affordable and
FMR
SSI Recipient
$500
$1,000
$1,500
$2,000
$1,017
$2,500
36
Connecticut
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Connecticut
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$23.58
$1,226
$49,051
2.9
$91,119
$2,278
$27,336
$683
419,234
31%
$15.81
$822
1.5
$19.89
$1,034
$41,370
2.4
$83,307
$2,083
$24,992
$625
29,298
24%
$10.42
$542
1.9
Bridgeport HMFA
$24.56
$1,277
$51,080
3.0
$87,100
$2,178
$26,130
$653
39,232
31%
$21.26
$1,105
1.2
Colchester-Lebanon HMFA
$21.65
$1,126
$45,040
2.6
$100,100
$2,503
$30,030
$751
1,304
15%
$15.33
$797
1.4
Danbury HMFA
$29.08
$1,512
$60,480
3.5
$110,400
$2,760
$33,120
$828
15,985
23%
$21.26
$1,105
1.4
Hartford-West Hartford-East Hartford HMFA *
$19.96
$1,038
$41,520
2.4
$87,700
$2,193
$26,310
$658
142,073
32%
$14.75
$767
1.4
Milford-Ansonia-Seymour HMFA
$24.96
$1,298
$51,920
3.0
$92,200
$2,305
$27,660
$692
12,105
26%
$12.74
$663
2.0
New Haven-Meriden HMFA *
$26.00
$1,352
$54,080
3.2
$84,900
$2,123
$25,470
$637
74,936
36%
$12.74
$663
2.0
Norwich-New London HMFA
$22.02
$1,145
$45,800
2.7
$84,400
$2,110
$25,320
$633
31,040
32%
$15.33
$797
1.4
Southern Middlesex County HMFA
$20.77
$1,080
$43,200
2.5
$98,600
$2,465
$29,580
$740
3,502
17%
$12.17
$633
1.7
Stamford-Norwalk HMFA
$34.02
$1,769
$70,760
4.1
$128,400
$3,210
$38,520
$963
42,146
31%
$21.26
$1,105
1.6
Waterbury HMFA
$20.67
$1,075
$43,000
2.5
$68,100
$1,703
$20,430
$511
27,613
37%
$12.74
$663
1.6
Litchfield County
$20.44
$1,063
$42,520
2.5
$89,900
$2,248
$26,970
$674
16,343
21%
$10.47
$544
2.0
Windham County
$19.19
$998
$39,920
2.3
$71,900
$1,798
$21,570
$539
12,955
29%
$10.34
$538
1.9
Metropolitan Areas
Counties
37
Towns within Connecticut FMR Areas

Bridgeport, CT HMFA
Fairfield County
Bridgeport town, Easton town, Fairfield town, Monroe town, Shelton
town, Stratford town, Trumbull town
Milford-Ansonia-Seymour, CT HMFA
New Haven County
Ansonia town, Beacon Falls town, Derby town, Milford town, Oxford
town, Seymour town
Colchester-Lebanon, CT HMFA
New London County
Colchester town, Lebanon town
New Haven-Meriden, CT HMFA

New Haven County
Bethany town, Branford town, Cheshire town, East Haven town, Guilford
town, Hamden town, Madison town, Meriden town, New Haven town,
North Branford town, North Haven town, Orange town, Wallingford
town, West Haven town, Woodbridge town
Danbury, CT HMFA
Fairfield County
Bethel town, Brookfield town, Danbury town, New Fairfield town,
Newtown town, Redding town, Ridgefield town, Sherman town
Hartford-West Hartford-East Hartford, CT HMFA
Hartford County
Avon town, Berlin town, Bloomfield town, Bristol town, Burlington town,
Canton town, East Granby town, East Hartford town, East Windsor
town, Enfield town, Farmington town, Glastonbury town, Granby town,
Hartford town, Hartland town, Manchester town, Marlborough town,
New Britain town, Newington town, Plainville town, Rocky Hill town,
Simsbury town, South Windsor town, Southington town, Suffield town,
West Hartford town, Wethersfield town, Windsor Locks town, Windsor
town
Middlesex County
Chester town, Cromwell town, Durham town, East Haddam town, East
Hampton town, Haddam town, Middlefield town, Middletown town,
Portland town
Tolland County
Andover town, Bolton town, Columbia town, Coventry town, Ellington
town, Hebron town, Mansfield town, Somers town, Stafford town,
Tolland town, Union town, Vernon town, Willington town
Norwich-New London, CT HMFA

New London County
Bozrah town, East Lyme town, Franklin town, Griswold town, Groton
town, Ledyard town, Lisbon town, Lyme town, Montville town, New
London town, North Stonington town, Norwich town, Old Lyme town,
Preston town, Salem town, Sprague town, Stonington town, Voluntown
town, Waterford town
Southern Middlesex County, CT HMFA
Middlesex County
Clinton town, Deep River town, Essex town, Killingworth town, Old
Saybrook town, Westbrook town
Stamford-Norwalk, CT HMFA
Fairfield County
Darien town, Greenwich town, New Canaan town, Norwalk town,
Stamford town, Weston town, Westport town, Wilton town
Waterbury, CT HMFA
New Haven County
Middlebury town, Naugatuck town, Prospect town, Southbury

town, Waterbury town, Wolcott town
This information is provided for New England states only, because only in these states do FMR and metropolitan areas include portions of counties, rather than entire counties.
38
Delaware
In Delaware, the Fair Market Rent (FMR) for a two-bedroom apartment is $970. In order to afford this level of rent
Wage of:
$18.65
In Delaware, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Delaware, the estimated mean (average) wage for a renter is $14.37. In order to afford the FMR for a two-bedroom
FMR affordable.
$970
Two-Bedroom FMR
$1,850
$223
$415
Minimum Wage Earner
$593
SSI Recipient
$761
$747
$555
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
Gap between Rent

Affordable and
FMR
$2,000
39
Delaware
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Delaware
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.65
$970
$38,784
2.6
$74,016
$1,850
$22,205
$555
87,634
26%
$14.37
$747
1.3
$14.31
$744
$29,760
2.0
$62,600
$1,565
$18,780
$470
15,121
20%
$10.36
$539
1.4
$15.45
$803
1.3
Metropolitan Areas
Dover MSA
$15.44
$803
$32,120
2.1
$63,200
$1,580
$18,960
$474
15,560
27%
Philadelphia-Camden-Wilmington MSA *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
56,953
29%
Kent County
$15.44
$803
$32,120
2.1
$63,200
$1,580
$18,960
$474
15,560
27%
New Castle County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
56,953
29%
$15.45
$803
1.3
Sussex County
$14.31
$744
$29,760
2.0
$62,600
$1,565
$18,780
$470
15,121
20%
$10.36
$539
1.4
Counties
* 50th percentile FMR (See Appendix A). Wage data not available (See Appendix A).
40
In the District of Columbia, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,506. In order to afford
this level of rent and utilities without paying more than 30% of income on housing a household must earn $5,020
monthly or $60,240 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into
a Housing Wage of:
$28.96
In the District of Columbia, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a
two-bedroom apartment, a minimum wage earner must work 140 hours per week, 52 weeks per year. Or a household
FMR affordable.
In the District of Columbia, the estimated mean (average) wage for a renter is $25.17. In order to afford the FMR for
a two-bedroom apartment at this wage, a renter must work 46 hours per week, 52 weeks per year. Or, working 40
hours per week year-round, a household must include 1.2 workers earning the mean renter wage in order to make the
two-bedroom FMR affordable.
Gap between Rent
Affordable and
FMR
$1,506
Two-Bedroom FMR
$2,688
$197
$700
$1,309

$806

$429
Minimum Wage Earner

SSI Recipient
$209
$0
$1,000
$2,000
Minimum Wage Earner
$1,077
SSI Recipient
$1,297
$3,000
41
District of
Columbia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$28.96
$1,506
$60,240
3.5
$107,500
$2,688
$32,250
$806
145,438
57%
$25.17
$1,309
1.2
$28.96
$1,506
$60,240
3.5
$107,500
$2,688
$32,250
$806
145,438
57%
$25.17
$1,309
1.2
$28.96
$1,506
3.5
$107,500
$2,688
$32,250
$806
145,438
57%
$25.17
Metropolitan Areas
Washington-Arlington-Alexandria HMFA *
Counties
District of Columbia *
$60,240
$1,309
1.2
42
Florida
In Florida, the Fair Market Rent (FMR) for a two-bedroom apartment is $965. In order to afford this level of rent and
$18.56
In Florida, a minimum wage worker earns an hourly wage of $7.67. In order to afford the FMR for a two-bedroom
In Florida, the estimated mean (average) wage for a renter is $13.47. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$965
Two-Bedroom FMR
$1,460
$264
$527
Minimum Wage Earner
$566
SSI Recipient
$756
$701

$438
$399
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
43
Florida
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Florida
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.56
$965
$38,607
2.4
$58,384
$1,460
$17,515
$438
2,166,215
30%
$13.47
$701
1.4
$15.13
$787
$31,472
2.0
$49,502
$1,238
$14,851
$371
90,019
22%
$10.48
$545
1.4
Baker County HMFA
$12.79
$665
$26,600
1.7
$58,200
$1,455
$17,460
$437
1,975
24%
$8.06
$419
1.6
Cape Coral-Fort Myers MSA
$17.33
$901
$36,040
2.3
$57,000
$1,425
$17,100
$428
61,823
25%
$12.23
$636
1.4
Crestview-Fort Walton-Destin MSA
$16.23
$844
$33,760
2.1
$68,400
$1,710
$20,520
$513
23,670
33%
$12.35
$642
1.3
Deltona-Daytona Beach-Ormond Beach MSA
$16.65
$866
$34,640
2.2
$57,900
$1,448
$17,370
$434
48,186
24%
$9.99
$520
1.7
Fort Lauderdale HMFA *
$22.83
$1,187
$47,480
3.0
$62,600
$1,565
$18,780
$470
205,387
31%
$15.31
$796
1.5
Gainesville MSA
$15.65
$814
$32,560
2.0
$55,600
$1,390
$16,680
$417
45,178
44%
$10.06
$523
1.6
Jacksonville HMFA
$16.04
$834
$33,360
2.1
$67,300
$1,683
$20,190
$505
158,271
32%
$13.45
$700
1.2
Lakeland-Winter Haven MSA
$14.75
$767
$30,680
1.9
$54,500
$1,363
$16,350
$409
62,481
28%
$12.69
$660
1.2
Miami-Miami Beach-Kendall HMFA
$21.63
$1,125
$45,000
2.8
$52,600
$1,315
$15,780
$395
347,024
42%
$14.46
$752
1.5
Naples-Marco Island MSA
$20.17
$1,049
$41,960
2.6
$72,800
$1,820
$21,840
$546
28,120
24%
$12.87
$669
1.6
North Port-Bradenton-Sarasota MSA *
$19.13
$995
$39,800
2.5
$59,900
$1,498
$17,970
$449
72,159
24%
$12.54
$652
1.5
Ocala MSA
$14.02
$729
$29,160
1.8
$50,500
$1,263
$15,150
$379
28,294
21%
$10.70
$556
1.3
Orlando-Kissimmee MSA
$18.00
$936
$37,440
2.3
$58,200
$1,455
$17,460
$437
262,772
34%
$13.31
$692
1.4
Palm Bay-Melbourne-Titusville MSA
$16.15
$840
$33,600
2.1
$58,600
$1,465
$17,580
$440
52,165
24%
$13.97
$727
1.2
Palm Coast MSA
$16.77
$872
$34,880
2.2
$57,600
$1,440
$17,280
$432
6,852
19%
$10.14
$527
1.7
Panama City-Lynn Haven-Panama City Beach MSA
$15.94
$829
$33,160
2.1
$58,300
$1,458
$17,490
$437
23,374
34%
$12.65
$658
1.3
Pensacola-Ferry Pass-Brent MSA
$14.38
$748
$29,920
1.9
$59,200
$1,480
$17,760
$444
49,262
29%
$11.01
$572
1.3
Port St. Lucie MSA
$18.00
$936
$37,440
2.3
$57,000
$1,425
$17,100
$428
36,903
23%
$12.48
$649
1.4
Punta Gorda MSA
$16.67
$867
$34,680
2.2
$55,800
$1,395
$16,740
$419
13,614
19%
$11.42
$594
1.5
Sebastian-Vero Beach MSA
$16.50
$858
$34,320
2.2
$53,800
$1,345
$16,140
$404
13,374
23%
$10.43
$542
1.6
Tallahassee HMFA
$15.71
$817
$32,680
2.0
$64,300
$1,608
$19,290
$482
54,669
42%
$9.96
$518
1.6
Tampa-St. Petersburg-Clearwater MSA
$17.81
$926
$37,040
2.3
$56,400
$1,410
$16,920
$423
340,764
30%
$14.03
$730
1.3
Wakulla County HMFA
$13.27
$690
$27,600
1.7
$66,000
$1,650
$19,800
$495
1,724
16%
$10.02
$521
1.3
West Palm Beach-Boca Raton HMFA *
$21.88
$1,138
$45,520
2.9
$64,100
$1,603
$19,230
$481
138,155
26%
$15.76
$819
1.4
$15.65
$814
2.0
$55,600
$1,390
$16,680
$417
44,014
45%
$10.10
Metropolitan Areas
Counties
Alachua County
$32,560
$525
1.5
44
Florida
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Baker County
$12.79
$665
$26,600
1.7
$58,200
$1,455
$17,460
$437
1,975
24%
$8.06
$419
1.6
Bay County
$15.94
$829
$33,160
2.1
$58,300
$1,458
$17,490
$437
23,374
34%
$12.65
$658
1.3
Bradford County
$12.50
$650
$26,000
1.6
$50,900
$1,273
$15,270
$382
2,026
23%
$8.69
$452
1.4
Brevard County
$16.15
$840
$33,600
2.1
$58,600
$1,465
$17,580
$440
52,165
24%
$13.97
$727
1.2
Broward County *
$22.83
$1,187
$47,480
3.0
$62,600
$1,565
$18,780
$470
205,387
31%
$15.31
$796
1.5
Calhoun County
$11.23
$584
$23,360
1.5
$42,000
$1,050
$12,600
$315
1,245
26%
$9.74
$507
1.2
Charlotte County
$16.67
$867
$34,680
2.2
$55,800
$1,395
$16,740
$419
13,614
19%
$11.42
$594
1.5
Citrus County
$15.12
$786
$31,440
2.0
$48,100
$1,203
$14,430
$361
9,254
15%
$11.51
$599
1.3
Clay County
$16.04
$834
$33,360
2.1
$67,300
$1,683
$20,190
$505
14,646
22%
$10.12
$526
1.6
Collier County
$20.17
$1,049
$41,960
2.6
$72,800
$1,820
$21,840
$546
28,120
24%
$12.87
$669
1.6
Columbia County
$12.42
$646
$25,840
1.6
$49,200
$1,230
$14,760
$369
6,888
28%
$10.37
$539
1.2
DeSoto County
$15.15
$788
$31,520
2.0
$45,700
$1,143
$13,710
$343
2,289
21%
$11.97
$623
1.3
Dixie County
$11.23
$584
$23,360
1.5
$38,700
$968
$11,610
$290
905
18%
$9.54
$496
1.2
Duval County
$16.04
$834
$33,360
2.1
$67,300
$1,683
$20,190
$505
121,919
37%
$14.21
$739
1.1
Escambia County
$14.38
$748
$29,920
1.9
$59,200
$1,480
$17,760
$444
36,962
33%
$11.41
$593
1.3
Flagler County
$16.77
$872
$34,880
2.2
$57,600
$1,440
$17,280
$432
6,852
19%
$10.14
$527
1.7
Franklin County
$12.69
$660
$26,400
1.7
$48,800
$1,220
$14,640
$366
1,616
34%
$6.24
$324
2.0
Gadsden County
$15.71
$817
$32,680
2.0
$64,300
$1,608
$19,290
$482
4,752
29%
$7.39
$384
2.1
Gilchrist County
$15.65
$814
$32,560
2.0
$55,600
$1,390
$16,680
$417
1,164
19%
$8.53
$444
1.8
Glades County
$16.69
$868
$34,720
2.2
$46,800
$1,170
$14,040
$351
781
19%
$19.65
$1,022
0.8
Gulf County
$13.40
$697
$27,880
1.7
$51,500
$1,288
$15,450
$386
1,222
23%
$12.86
$669
1.0
Hamilton County
$11.54
$600
$24,000
1.5
$45,200
$1,130
$13,560
$339
1,177
26%
$11.21
$583
1.0
Hardee County
$15.21
$791
$31,640
2.0
$46,500
$1,163
$13,950
$349
1,946
25%
$9.69
$504
1.6
Hendry County
$15.79
$821
$32,840
2.1
$43,500
$1,088
$13,050
$326
3,455
31%
$11.50
$598
1.4
Hernando County
$17.81
$926
$37,040
2.3
$56,400
$1,410
$16,920
$423
11,684
17%
$9.47
$493
1.9
Highlands County
$14.75
$767
$30,680
1.9
$43,700
$1,093
$13,110
$328
8,107
20%
$9.87
$513
1.5
Hillsborough County
$17.81
$926
$37,040
2.3
$56,400
$1,410
$16,920
$423
169,719
37%
$14.71
$765
1.2
Holmes County
$11.56
$601
$24,040
1.5
$45,100
$1,128
$13,530
$338
1,334
20%
$7.76
$404
1.5
Indian River County
$16.50
$858
$34,320
2.2
$53,800
$1,345
$16,140
$404
13,374
23%
$10.43
$542
1.6
Jackson County
$11.23
$584
$23,360
1.5
$49,100
$1,228
$14,730
$368
3,828
23%
$8.35
$434
1.3
Jefferson County
$15.71
$817
$32,680
2.0
$64,300
$1,608
$19,290
$482
1,191
23%
$6.44
$335
2.4
45
Florida
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Lafayette County
$12.83
$667
$26,680
1.7
$52,200
$1,305
$15,660
$392
447
19%
$7.94
$413
1.6
Lake County
$18.00
$936
$37,440
2.3
$58,200
$1,455
$17,460
$437
25,068
21%
$10.25
$533
1.8
Lee County
$17.33
$901
$36,040
2.3
$57,000
$1,425
$17,100
$428
61,823
25%
$12.23
$636
1.4
Leon County
$15.71
$817
$32,680
2.0
$64,300
$1,608
$19,290
$482
48,726
45%
$10.27
$534
1.5
Levy County
$12.10
$629
$25,160
1.6
$43,600
$1,090
$13,080
$327
3,753
24%
$8.17
$425
1.5
Liberty County
$11.23
$584
$23,360
1.5
$54,800
$1,370
$16,440
$411
452
23%
$16.19
$842
0.7
Madison County
$11.23
$584
$23,360
1.5
$44,800
$1,120
$13,440
$336
1,766
26%
$7.93
$412
1.4
Manatee County *
$19.13
$995
$39,800
2.5
$59,900
$1,498
$17,970
$449
33,983
26%
$11.78
$612
1.6
Marion County
$14.02
$729
$29,160
1.8
$50,500
$1,263
$15,150
$379
28,294
21%
$10.70
$556
1.3
Martin County
$18.00
$936
$37,440
2.3
$57,000
$1,425
$17,100
$428
12,140
21%
$13.06
$679
1.4
Miami-Dade County
$21.63
$1,125
$45,000
2.8
$52,600
$1,315
$15,780
$395
347,024
42%
$14.46
$752
1.5
Monroe County
$27.29
$1,419
$56,760
3.6
$72,400
$1,810
$21,720
$543
10,581
36%
$13.52
$703
2.0
Nassau County
$16.04
$834
$33,360
2.1
$67,300
$1,683
$20,190
$505
5,616
21%
$11.12
$578
1.4
Okaloosa County
$16.23
$844
$33,760
2.1
$68,400
$1,710
$20,520
$513
23,670
33%
$12.35
$642
1.3
Okeechobee County
$17.94
$933
$37,320
2.3
$44,900
$1,123
$13,470
$337
3,181
23%
$11.90
$619
1.5
Orange County
$18.00
$936
$37,440
2.3
$58,200
$1,455
$17,460
$437
162,907
40%
$13.99
$728
1.3
Osceola County
$18.00
$936
$37,440
2.3
$58,200
$1,455
$17,460
$437
31,009
34%
$11.38
$592
1.6
Palm Beach County *
$21.88
$1,138
$45,520
2.9
$64,100
$1,603
$19,230
$481
138,155
26%
$15.76
$819
1.4
Pasco County
$17.81
$926
$37,040
2.3
$56,400
$1,410
$16,920
$423
39,199
21%
$10.73
$558
1.7
Pinellas County
$17.81
$926
$37,040
2.3
$56,400
$1,410
$16,920
$423
120,162
30%
$14.23
$740
1.3
Polk County
$14.75
$767
$30,680
1.9
$54,500
$1,363
$16,350
$409
62,481
28%
$12.69
$660
1.2
Putnam County
$12.58
$654
$26,160
1.6
$45,100
$1,128
$13,530
$338
6,482
22%
$9.55
$496
1.3
Santa Rosa County
$14.38
$748
$29,920
1.9
$59,200
$1,480
$17,760
$444
12,300
22%
$9.39
$488
1.5
Sarasota County *
$19.13
$995
$39,800
2.5
$59,900
$1,498
$17,970
$449
38,176
23%
$13.11
$682
1.5
Seminole County
$18.00
$936
$37,440
2.3
$58,200
$1,455
$17,460
$437
43,788
29%
$12.70
$660
1.4
St. Johns County
$16.04
$834
$33,360
2.1
$67,300
$1,683
$20,190
$505
16,090
23%
$10.48
$545
1.5
St. Lucie County
$18.00
$936
$37,440
2.3
$57,000
$1,425
$17,100
$428
24,763
24%
$11.91
$619
1.5
Sumter County
$12.33
$641
$25,640
1.6
$50,500
$1,263
$15,150
$379
4,126
11%
$9.20
$478
1.3
Suwannee County
$12.02
$625
$25,000
1.6
$46,200
$1,155
$13,860
$347
3,594
24%
$8.46
$440
1.4
Taylor County
$11.23
$584
$23,360
1.5
$48,100
$1,203
$14,430
$361
1,108
14%
$10.42
$542
1.1
Union County
$11.90
$619
$24,760
1.6
$53,800
$1,345
$16,140
$404
1,075
31%
$9.45
$491
1.3
46
Florida
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Volusia County
$16.65
$866
$34,640
2.2
$57,900
$1,448
$17,370
$434
48,186
24%
$9.99
$520
1.7
Wakulla County
$13.27
$690
$27,600
1.7
$66,000
$1,650
$19,800
$495
1,724
16%
$10.02
$521
1.3
Walton County
$14.63
$761
$30,440
1.9
$59,300
$1,483
$17,790
$445
5,651
25%
$9.19
$478
1.6
Washington County
$12.38
$644
$25,760
1.6
$48,600
$1,215
$14,580
$365
1,730
20%
$6.74
$350
1.8
47
Georgia
In Georgia, the Fair Market Rent (FMR) for a two-bedroom apartment is $747. In order to afford this level of rent
Wage of:
$14.37
In Georgia, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Georgia, the estimated mean (average) wage for a renter is $13.15. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$747
Two-Bedroom FMR
$1,543
$63
$284
Minimum Wage Earner
$370
SSI Recipient
$538
$684

$463
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
48
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Georgia
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$14.37
$747
$29,899
2.0
$61,711
$1,543
$18,513
$463
1,136,926
33%
$13.15
$684
1.1
$10.96
$570
$22,794
1.5
$47,877
$1,197
$14,363
$359
204,311
31%
$9.11
$474
1.2
Metropolitan Areas
Albany MSA
$11.15
$580
$23,200
1.5
$49,400
$1,235
$14,820
$371
24,847
43%
$10.96
$570
1.0
Athens-Clarke County MSA
$13.83
$719
$28,760
1.9
$59,400
$1,485
$17,820
$446
27,772
41%
$9.95
$518
1.4
Atlanta-Sandy Springs-Marietta HMFA
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
593,038
32%
$14.98
$779
1.1
Augusta-Richmond County MSA
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
44,963
34%
$11.53
$600
1.2
Brunswick MSA
$13.63
$709
$28,360
1.9
$60,200
$1,505
$18,060
$452
13,273
31%
$9.31
$484
1.5
Butts County HMFA
$13.90
$723
$28,920
1.9
$64,200
$1,605
$19,260
$482
1,816
23%
$7.82
$406
1.8
Chattanooga MSA
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
13,838
25%
$9.17
$477
1.3
Columbus MSA
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
35,259
40%
$12.03
$626
1.1
Dalton HMFA
$11.77
$612
$24,480
1.6
$50,800
$1,270
$15,240
$381
10,874
32%
$11.20
$582
1.1
Gainesville MSA
$14.94
$777
$31,080
2.1
$62,000
$1,550
$18,600
$465
18,671
31%
$11.76
$611
1.3
Haralson County HMFA
$10.31
$536
$21,440
1.4
$47,400
$1,185
$14,220
$356
2,800
26%
$10.49
$545
1.0
Hinesville-Fort Stewart HMFA
$12.33
$641
$25,640
1.7
$47,700
$1,193
$14,310
$358
11,128
49%
$11.80
$614
1.0
Lamar County HMFA
$10.31
$536
$21,440
1.4
$43,200
$1,080
$12,960
$324
2,133
33%
$9.69
$504
1.1
Long County HMFA
$10.31
$536
$21,440
1.4
$49,100
$1,228
$14,730
$368
1,678
37%
$10.31
$536
1.0
Macon MSA
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
27,204
36%
$9.78
$508
1.3
Meriwether County HMFA
$11.48
$597
$23,880
1.6
$49,500
$1,238
$14,850
$371
2,328
28%
$8.48
$441
1.4
Monroe County HMFA
$11.21
$583
$23,320
1.5
$64,600
$1,615
$19,380
$485
1,845
20%
$10.01
$521
1.1
Murray County HMFA
$11.00
$572
$22,880
1.5
$47,700
$1,193
$14,310
$358
3,919
28%
$11.02
$573
1.0
Rome MSA
$12.62
$656
$26,240
1.7
$52,800
$1,320
$15,840
$396
11,506
33%
$11.32
$589
1.1
Savannah MSA
$15.69
$816
$32,640
2.2
$60,800
$1,520
$18,240
$456
48,614
38%
$12.13
$631
1.3
Valdosta MSA
$12.38
$644
$25,760
1.7
$50,900
$1,273
$15,270
$382
18,933
38%
$9.42
$490
1.3
Warner Robins MSA
$14.13
$735
$29,400
1.9
$71,400
$1,785
$21,420
$536
16,176
32%
$10.00
$520
1.4
Appling County
$10.31
$536
$21,440
1.4
$45,100
$1,128
$13,530
$338
1,959
27%
$13.26
$690
0.8
Atkinson County
$10.31
$536
$21,440
1.4
$37,000
$925
$11,100
$278
771
28%
$9.73
$506
1.1
Bacon County
$10.31
$536
$21,440
1.4
$45,700
$1,143
$13,710
$343
1,300
34%
$6.00
$312
1.7
Counties
Wage data not available (See Appendix A).
49
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Baker County
$11.15
$580
$23,200
1.5
$49,400
$1,235
$14,820
$371
455
34%
$9.85
$512
1.1
Baldwin County
$12.17
$633
$25,320
1.7
$50,300
$1,258
$15,090
$377
6,272
39%
$8.49
$442
1.4
Banks County
$10.31
$536
$21,440
1.4
$49,000
$1,225
$14,700
$368
1,559
24%
$7.37
$383
1.4
Barrow County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
5,376
23%
$8.72
$453
1.9
Bartow County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
9,476
28%
$9.89
$514
1.6
Ben Hill County
$10.60
$551
$22,040
1.5
$37,000
$925
$11,100
$278
2,476
38%
$9.00
$468
1.2
Berrien County
$10.31
$536
$21,440
1.4
$44,300
$1,108
$13,290
$332
2,044
28%
$9.02
$469
1.1
Bibb County
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
23,763
42%
$9.82
$511
1.3
Bleckley County
$10.31
$536
$21,440
1.4
$53,000
$1,325
$15,900
$398
1,325
31%
$7.72
$401
1.3
Brantley County
$13.63
$709
$28,360
1.9
$60,200
$1,505
$18,060
$452
973
15%
$9.25
$481
1.5
Brooks County
$12.38
$644
$25,760
1.7
$50,900
$1,273
$15,270
$382
1,623
26%
$7.41
$385
1.7
Bryan County
$15.69
$816
$32,640
2.2
$60,800
$1,520
$18,240
$456
2,703
26%
$7.46
$388
2.1
Bulloch County
$10.62
$552
$22,080
1.5
$56,700
$1,418
$17,010
$425
10,776
44%
$7.77
$404
1.4
Burke County
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
2,176
28%
$9.95
$517
1.3
Butts County
$13.90
$723
$28,920
1.9
$64,200
$1,605
$19,260
$482
1,816
23%
$7.82
$406
1.8
Calhoun County
$10.31
$536
$21,440
1.4
$43,800
$1,095
$13,140
$329
513
29%
$6.76
$352
1.5
Camden County
$12.56
$653
$26,120
1.7
$61,700
$1,543
$18,510
$463
5,830
33%
$10.43
$542
1.2
Candler County
$10.31
$536
$21,440
1.4
$41,300
$1,033
$12,390
$310
1,273
34%
$9.59
$498
1.1
Carroll County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
12,615
32%
$10.62
$552
1.5
Catoosa County
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
5,852
24%
$9.02
$469
1.3
Charlton County
$10.94
$569
$22,760
1.5
$48,900
$1,223
$14,670
$367
898
24%
$11.74
$610
0.9
Chatham County
$15.69
$816
$32,640
2.2
$60,800
$1,520
$18,240
$456
41,461
41%
$12.38
$644
1.3
Chattahoochee County
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
1,742
69%
$22.50
$1,170
0.6
Chattooga County
$10.31
$536
$21,440
1.4
$41,100
$1,028
$12,330
$308
2,473
28%
$11.55
$600
0.9
Cherokee County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
14,393
19%
$10.05
$523
1.6
Clarke County
$13.83
$719
$28,760
1.9
$59,400
$1,485
$17,820
$446
22,722
54%
$10.50
$546
1.3
Clay County
$10.87
$565
$22,600
1.5
$44,800
$1,120
$13,440
$336
315
28%
$6.96
$362
1.6
Clayton County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
35,458
41%
$15.00
$780
1.1
Clinch County
$10.31
$536
$21,440
1.4
$42,200
$1,055
$12,660
$317
692
27%
$8.78
$456
1.2
Cobb County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
78,135
30%
$14.46
$752
1.1
Coffee County
$10.31
$536
$21,440
1.4
$42,900
$1,073
$12,870
$322
4,348
30%
$9.58
$498
1.1
50
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Colquitt County
$10.31
$536
$21,440
1.4
$40,900
$1,023
$12,270
$307
6,004
38%
$8.28
$431
1.2
Columbia County
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
7,979
19%
$8.90
$463
1.5
Cook County
$10.31
$536
$21,440
1.4
$41,600
$1,040
$12,480
$312
1,750
27%
$7.57
$393
1.4
Coweta County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
10,676
24%
$9.71
$505
1.7
Crawford County
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
892
19%
$4.84
$252
2.6
Crisp County
$10.31
$536
$21,440
1.4
$40,900
$1,023
$12,270
$307
3,664
41%
$8.99
$467
1.1
Dade County
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
1,264
20%
$9.97
$518
1.2
Dawson County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
1,725
21%
$8.32
$433
1.9
Decatur County
$10.31
$536
$21,440
1.4
$47,400
$1,185
$14,220
$356
3,593
34%
$7.13
$371
1.4
DeKalb County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
109,732
41%
$15.38
$800
1.1
Dodge County
$10.31
$536
$21,440
1.4
$46,800
$1,170
$14,040
$351
2,260
29%
$6.31
$328
1.6
Dooly County
$10.31
$536
$21,440
1.4
$40,300
$1,008
$12,090
$302
1,608
33%
$8.03
$418
1.3
Dougherty County
$11.15
$580
$23,200
1.5
$49,400
$1,235
$14,820
$371
18,591
52%
$11.57
$601
1.0
Douglas County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
12,770
29%
$9.71
$505
1.7
Early County
$10.31
$536
$21,440
1.4
$41,800
$1,045
$12,540
$314
1,372
34%
$12.91
$672
0.8
Echols County
$12.38
$644
$25,760
1.7
$50,900
$1,273
$15,270
$382
379
29%
$10.68
$555
1.2
Effingham County
$15.69
$816
$32,640
2.2
$60,800
$1,520
$18,240
$456
4,450
25%
$10.84
$563
1.4
Elbert County
$10.31
$536
$21,440
1.4
$40,100
$1,003
$12,030
$301
2,237
29%
$8.89
$462
1.2
Emanuel County
$10.31
$536
$21,440
1.4
$39,300
$983
$11,790
$295
2,720
33%
$7.99
$415
1.3
Evans County
$10.31
$536
$21,440
1.4
$44,800
$1,120
$13,440
$336
1,223
30%
$10.05
$522
1.0
Fannin County
$10.63
$553
$22,120
1.5
$46,300
$1,158
$13,890
$347
2,026
19%
$8.60
$447
1.2
Fayette County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
5,850
16%
$9.15
$476
1.8
Floyd County
$12.62
$656
$26,240
1.7
$52,800
$1,320
$15,840
$396
11,506
33%
$11.32
$589
1.1
Forsyth County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
7,310
13%
$10.37
$539
1.6
Franklin County
$10.31
$536
$21,440
1.4
$46,200
$1,155
$13,860
$347
2,442
28%
$8.68
$451
1.2
Fulton County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
157,344
44%
$18.78
$977
0.9
Gilmer County
$12.17
$633
$25,320
1.7
$44,500
$1,113
$13,350
$334
3,426
29%
$9.75
$507
1.2
Glascock County
$10.44
$543
$21,720
1.4
$43,400
$1,085
$13,020
$326
334
28%
$5.73
$298
1.8
Glynn County
$13.63
$709
$28,360
1.9
$60,200
$1,505
$18,060
$452
10,860
35%
$9.39
$489
1.5
Gordon County
$12.02
$625
$25,000
1.7
$52,400
$1,310
$15,720
$393
5,944
31%
$9.23
$480
1.3
Grady County
$10.33
$537
$21,480
1.4
$45,700
$1,143
$13,710
$343
3,352
35%
$9.46
$492
1.1
51
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Greene County
$10.31
$536
$21,440
1.4
$48,000
$1,200
$14,400
$360
1,505
25%
$9.73
$506
1.1
Gwinnett County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
72,556
28%
$13.55
$705
1.2
Habersham County
$10.79
$561
$22,440
1.5
$50,900
$1,273
$15,270
$382
3,902
26%
$9.12
$474
1.2
Hall County
$14.94
$777
$31,080
2.1
$62,000
$1,550
$18,600
$465
18,671
31%
$11.76
$611
1.3
Hancock County
$13.08
$680
$27,200
1.8
$33,800
$845
$10,140
$254
713
25%
$9.12
$474
1.4
Haralson County
$10.31
$536
$21,440
1.4
$47,400
$1,185
$14,220
$356
2,800
26%
$10.49
$545
1.0
Harris County
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
1,272
12%
$6.61
$344
2.0
Hart County
$10.31
$536
$21,440
1.4
$50,600
$1,265
$15,180
$380
2,230
23%
$6.31
$328
1.6
Heard County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
1,128
26%
$16.39
$852
1.0
Henry County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
13,162
20%
$9.64
$501
1.7
Houston County
$14.13
$735
$29,400
1.9
$71,400
$1,785
$21,420
$536
16,176
32%
$10.00
$520
1.4
Irwin County
$10.31
$536
$21,440
1.4
$56,600
$1,415
$16,980
$425
709
21%
$4.83
$251
2.1
Jackson County
$12.19
$634
$25,360
1.7
$59,300
$1,483
$17,790
$445
5,181
25%
$9.28
$482
1.3
Jasper County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
1,476
30%
$8.12
$422
2.0
Jeff Davis County
$10.31
$536
$21,440
1.4
$39,000
$975
$11,700
$293
1,614
29%
$9.14
$475
1.1
Jefferson County
$10.31
$536
$21,440
1.4
$39,000
$975
$11,700
$293
1,827
29%
$11.42
$594
0.9
Jenkins County
$10.31
$536
$21,440
1.4
$37,000
$925
$11,100
$278
756
24%
$8.76
$455
1.2
Johnson County
$10.31
$536
$21,440
1.4
$33,300
$833
$9,990
$250
1,002
30%
$9.32
$485
1.1
Jones County
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
1,967
19%
$8.71
$453
1.4
Lamar County
$10.31
$536
$21,440
1.4
$43,200
$1,080
$12,960
$324
2,133
33%
$9.69
$504
1.1
Lanier County
$12.38
$644
$25,760
1.7
$50,900
$1,273
$15,270
$382
1,238
37%
$9.08
$472
1.4
Laurens County
$10.31
$536
$21,440
1.4
$51,300
$1,283
$15,390
$385
5,720
32%
$9.93
$516
1.0
Lee County
$11.15
$580
$23,200
1.5
$49,400
$1,235
$14,820
$371
2,127
22%
$8.87
$461
1.3
Liberty County
$12.33
$641
$25,640
1.7
$47,700
$1,193
$14,310
$358
11,128
49%
$11.80
$614
1.0
Lincoln County
$10.31
$536
$21,440
1.4
$43,700
$1,093
$13,110
$328
724
21%
$7.14
$371
1.4
Long County
$10.31
$536
$21,440
1.4
$49,100
$1,228
$14,730
$368
1,678
37%
$10.31
$536
1.0
Lowndes County
$12.38
$644
$25,760
1.7
$50,900
$1,273
$15,270
$382
15,693
41%
$9.53
$495
1.3
Lumpkin County
$12.98
$675
$27,000
1.8
$53,100
$1,328
$15,930
$398
3,210
30%
$9.88
$514
1.3
Macon County
$10.31
$536
$21,440
1.4
$39,200
$980
$11,760
$294
1,663
35%
$12.15
$632
0.8
Madison County
$13.83
$719
$28,760
1.9
$59,400
$1,485
$17,820
$446
2,184
23%
$7.16
$372
1.9
Marion County
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
811
26%
$7.24
$376
1.8
52
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
McDuffie County
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
2,901
35%
$9.29
$483
1.4
McIntosh County
$13.63
$709
$28,360
1.9
$60,200
$1,505
$18,060
$452
1,440
25%
$7.62
$396
1.8
Meriwether County
$11.48
$597
$23,880
1.6
$49,500
$1,238
$14,850
$371
2,328
28%
$8.48
$441
1.4
Miller County
$10.31
$536
$21,440
1.4
$45,300
$1,133
$13,590
$340
776
30%
$8.47
$440
1.2
Mitchell County
$11.35
$590
$23,600
1.6
$48,300
$1,208
$14,490
$362
2,830
35%
$7.31
$380
1.6
Monroe County
$11.21
$583
$23,320
1.5
$64,600
$1,615
$19,380
$485
1,845
20%
$10.01
$521
1.1
Montgomery County
$10.31
$536
$21,440
1.4
$48,100
$1,203
$14,430
$361
947
29%
$7.70
$400
1.3
Morgan County
$11.08
$576
$23,040
1.5
$57,500
$1,438
$17,250
$431
1,642
25%
$8.88
$462
1.2
Murray County
$11.00
$572
$22,880
1.5
$47,700
$1,193
$14,310
$358
3,919
28%
$11.02
$573
1.0
Muscogee County
$12.94
$673
$26,920
1.8
$52,300
$1,308
$15,690
$392
31,434
44%
$12.01
$624
1.1
Newton County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
8,035
24%
$9.92
$516
1.6
Oconee County
$13.83
$719
$28,760
1.9
$59,400
$1,485
$17,820
$446
1,930
17%
$7.69
$400
1.8
Oglethorpe County
$13.83
$719
$28,760
1.9
$59,400
$1,485
$17,820
$446
936
20%
$6.09
$317
2.3
Paulding County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
8,546
18%
$8.22
$427
2.0
Peach County
$11.40
$593
$23,720
1.6
$59,600
$1,490
$17,880
$447
2,798
31%
$7.59
$395
1.5
Pickens County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
2,209
20%
$7.69
$400
2.1
Pierce County
$10.31
$536
$21,440
1.4
$49,400
$1,235
$14,820
$371
1,585
23%
$8.82
$458
1.2
Pike County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
1,004
17%
$7.50
$390
2.2
Polk County
$11.92
$620
$24,800
1.6
$48,600
$1,215
$14,580
$365
4,313
29%
$8.96
$466
1.3
Pulaski County
$10.31
$536
$21,440
1.4
$47,200
$1,180
$14,160
$354
1,162
28%
$8.72
$453
1.2
Putnam County
$11.04
$574
$22,960
1.5
$52,700
$1,318
$15,810
$395
1,699
20%
$7.46
$388
1.5
Quitman County
$10.31
$536
$21,440
1.4
$40,900
$1,023
$12,270
$307
300
30%
$8.30
$432
1.2
Rabun County
$12.23
$636
$25,440
1.7
$53,300
$1,333
$15,990
$400
1,932
27%
$9.35
$486
1.3
Randolph County
$10.31
$536
$21,440
1.4
$33,900
$848
$10,170
$254
1,032
35%
$8.92
$464
1.2
Richmond County
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
31,907
43%
$12.67
$659
1.1
Rockdale County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
8,888
31%
$12.36
$643
1.3
Schley County
$10.63
$553
$22,120
1.5
$48,700
$1,218
$14,610
$365
567
34%
$11.10
$577
1.0
Screven County
$10.31
$536
$21,440
1.4
$49,700
$1,243
$14,910
$373
1,065
23%
$8.20
$426
1.3
Seminole County
$10.31
$536
$21,440
1.4
$45,800
$1,145
$13,740
$344
678
22%
$7.30
$380
1.4
Spalding County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
8,188
35%
$9.48
$493
1.7
Stephens County
$10.54
$548
$21,920
1.5
$45,300
$1,133
$13,590
$340
2,604
28%
$8.53
$444
1.2
53
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Stewart County
$10.31
$536
$21,440
1.4
$38,700
$968
$11,610
$290
700
31%
$7.82
$407
1.3
Sumter County
$10.98
$571
$22,840
1.5
$41,400
$1,035
$12,420
$311
4,254
37%
$8.45
$440
1.3
Talbot County
$11.04
$574
$22,960
1.5
$47,300
$1,183
$14,190
$355
547
20%
$9.20
$478
1.2
Taliaferro County
$10.31
$536
$21,440
1.4
$25,600
$640
$7,680
$192
215
29%
Tattnall County
$10.31
$536
$21,440
1.4
$46,300
$1,158
$13,890
$347
2,470
32%
$8.50
$442
1.2
Taylor County
$10.31
$536
$21,440
1.4
$37,500
$938
$11,250
$281
884
26%
$8.43
$438
1.2
Telfair County
$10.31
$536
$21,440
1.4
$40,800
$1,020
$12,240
$306
2,179
38%
$8.23
$428
1.3
Terrell County
$11.15
$580
$23,200
1.5
$49,400
$1,235
$14,820
$371
1,363
39%
$8.60
$447
1.3
Thomas County
$12.00
$624
$24,960
1.7
$51,900
$1,298
$15,570
$389
6,652
38%
$9.68
$503
1.2
Tift County
$10.85
$564
$22,560
1.5
$47,700
$1,193
$14,310
$358
5,069
35%
$8.78
$456
1.2
Toombs County
$10.31
$536
$21,440
1.4
$43,800
$1,095
$13,140
$329
3,764
37%
$9.84
$512
1.0
Towns County
$11.88
$618
$24,720
1.6
$51,900
$1,298
$15,570
$389
640
13%
$9.97
$519
1.2
Treutlen County
$10.31
$536
$21,440
1.4
$39,000
$975
$11,700
$293
869
35%
$5.25
$273
2.0
Troup County
$12.10
$629
$25,160
1.7
$50,800
$1,270
$15,240
$381
8,301
35%
$11.00
$572
1.1
Turner County
$10.31
$536
$21,440
1.4
$41,500
$1,038
$12,450
$311
1,103
36%
$6.74
$350
1.5
Twiggs County
$12.42
$646
$25,840
1.7
$54,700
$1,368
$16,410
$410
582
19%
$14.10
$733
0.9
Union County
$11.33
$589
$23,560
1.6
$51,400
$1,285
$15,420
$386
2,079
22%
$10.06
$523
1.1
Upson County
$10.31
$536
$21,440
1.4
$45,500
$1,138
$13,650
$341
3,168
30%
$8.83
$459
1.2
Walker County
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
6,722
26%
$9.14
$475
1.3
Walton County
$16.19
$842
$33,680
2.2
$69,300
$1,733
$20,790
$520
6,986
24%
$8.29
$431
2.0
Ware County
$10.42
$542
$21,680
1.4
$46,600
$1,165
$13,980
$350
4,363
33%
$9.58
$498
1.1
Warren County
$10.31
$536
$21,440
1.4
$37,000
$925
$11,100
$278
688
29%
$6.08
$316
1.7
Washington County
$10.31
$536
$21,440
1.4
$43,300
$1,083
$12,990
$325
2,022
28%
$9.28
$482
1.1
Wayne County
$10.31
$536
$21,440
1.4
$52,400
$1,310
$15,720
$393
3,110
30%
$9.91
$515
1.0
Webster County
$10.31
$536
$21,440
1.4
$38,300
$958
$11,490
$287
265
24%
$8.13
$423
1.3
Wheeler County
$10.31
$536
$21,440
1.4
$47,700
$1,193
$14,310
$358
408
25%
$8.33
$433
1.2
White County
$13.12
$682
$27,280
1.8
$54,600
$1,365
$16,380
$410
2,897
24%
$7.26
$378
1.8
Whitfield County
$11.77
$612
$24,480
1.6
$50,800
$1,270
$15,240
$381
10,874
32%
$11.20
$582
1.1
Wilcox County
$10.31
$536
$21,440
1.4
$41,700
$1,043
$12,510
$313
420
16%
$6.44
$335
1.6
Wilkes County
$10.31
$536
$21,440
1.4
$42,600
$1,065
$12,780
$320
1,138
28%
$8.22
$428
1.3
Wilkinson County
$10.31
$536
$21,440
1.4
$45,800
$1,145
$13,740
$344
641
18%
$11.92
$620
0.9
54
Georgia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Worth County
$11.15
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
$580
$23,200
1.5
Annual
2
AMI
$49,400
Rent
affordable
at AMI 3
$1,235
30%
4
of AMI
$14,820
Rent
affordable
at 30%
of AMI
$371
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
2,311
29%
Estimated
Rent
hourly wage at mean
wage
(2012)
$6.85
$356
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
1.6
55
Hawaii
In Hawaii, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,647. In order to afford this level of rent
Wage of:
$31.68
In Hawaii, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Hawaii, the estimated mean (average) wage for a renter is $13.61. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$1,647
Two-Bedroom FMR
$1,996
$708
$599
$1,048
Minimum Wage Earner
$1,270
SSI Recipient
$1,438
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
$939
$2,500
56
Hawaii
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Hawaii
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$31.68
$1,647
$65,889
4.4
$79,828
$1,996
$23,948
$599
179,848
41%
$13.61
$708
2.3
$25.79
$1,341
$53,642
3.6
$73,459
$1,836
$22,038
$551
50,575
37%
$12.56
$653
2.1
$33.98
$1,767
$70,680
4.7
$82,700
$2,068
$24,810
$620
129,273
42%
$14.02
$729
2.4
Metropolitan Areas
Honolulu MSA *
Counties
Hawaii County
$22.29
$1,159
$46,360
3.1
$69,600
$1,740
$20,880
$522
21,791
34%
$11.66
$607
1.9
Honolulu County *
$33.98
$1,767
$70,680
4.7
$82,700
$2,068
$24,810
$620
129,273
42%
$14.02
$729
2.4
Kalawao County
$26.13
$1,359
$54,360
3.6
$73,400
$1,835
$22,020
$551
67
100%
Kauai County
$27.17
$1,413
$56,520
3.7
$76,300
$1,908
$22,890
$572
7,603
35%
$12.00
$624
2.3
Maui County
$28.90
$1,503
$60,120
4.0
$77,100
$1,928
$23,130
$578
21,114
41%
$13.58
$706
2.1
57
Idaho
In Idaho, the Fair Market Rent (FMR) for a two-bedroom apartment is $665. In order to afford this level of rent and
$12.80
In Idaho, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Idaho, the estimated mean (average) wage for a renter is $10.48. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$665
Two-Bedroom FMR
$1,451
$120
$230
Minimum Wage Earner
$288
SSI Recipient
$456
$545
$435
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
58
Idaho
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Idaho
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.80
$665
$26,615
1.8
$58,040
$1,451
$17,412
$435
165,439
29%
$10.48
$545
1.2
$11.65
$606
$24,226
1.6
$52,951
$1,324
$15,885
$397
58,346
29%
$10.47
$544
1.1
Metropolitan Areas
Boise City-Nampa HMFA
$14.04
$730
$29,200
1.9
$62,900
$1,573
$18,870
$472
63,918
30%
$11.40
$593
1.2
Coeur d'Alene MSA
$13.87
$721
$28,840
1.9
$58,100
$1,453
$17,430
$436
15,962
29%
$9.91
$515
1.4
Gem County HMFA
$12.71
$661
$26,440
1.8
$50,900
$1,273
$15,270
$382
1,339
21%
$7.72
$401
1.6
Idaho Falls MSA
$12.04
$626
$25,040
1.7
$61,200
$1,530
$18,360
$459
10,567
24%
$8.40
$437
1.4
Lewiston MSA
$11.98
$623
$24,920
1.7
$55,800
$1,395
$16,740
$419
5,239
32%
$9.65
$502
1.2
Logan MSA
$11.96
$622
$24,880
1.6
$57,300
$1,433
$17,190
$430
780
19%
$6.88
$358
1.7
Pocatello MSA
$11.02
$573
$22,920
1.5
$55,400
$1,385
$16,620
$416
9,288
29%
$8.45
$439
1.3
Counties
Ada County
$14.04
$730
$29,200
1.9
$62,900
$1,573
$18,870
$472
44,200
30%
$11.97
$623
1.2
Adams County
$11.02
$573
$22,920
1.5
$49,100
$1,228
$14,730
$368
334
20%
$9.55
$496
1.2
Bannock County
$11.02
$573
$22,920
1.5
$55,400
$1,385
$16,620
$416
8,593
29%
$7.91
$411
1.4
Bear Lake County
$11.02
$573
$22,920
1.5
$51,600
$1,290
$15,480
$387
484
19%
$7.11
$370
1.6
Benewah County
$11.02
$573
$22,920
1.5
$47,000
$1,175
$14,100
$353
991
26%
$12.38
$644
0.9
Bingham County
$11.02
$573
$22,920
1.5
$53,700
$1,343
$16,110
$403
2,872
20%
$9.16
$476
1.2
Blaine County
$17.08
$888
$35,520
2.4
$77,600
$1,940
$23,280
$582
2,893
32%
$12.80
$666
1.3
Boise County
$14.04
$730
$29,200
1.9
$62,900
$1,573
$18,870
$472
702
23%
$6.54
$340
2.1
Bonner County
$11.58
$602
$24,080
1.6
$56,700
$1,418
$17,010
$425
4,637
25%
$10.01
$521
1.2
Bonneville County
$12.04
$626
$25,040
1.7
$61,200
$1,530
$18,360
$459
9,155
26%
$8.49
$442
1.4
Boundary County
$11.02
$573
$22,920
1.5
$46,800
$1,170
$14,040
$351
733
18%
$8.04
$418
1.4
Butte County
$11.02
$573
$22,920
1.5
$48,700
$1,218
$14,610
$365
196
17%
$19.39
$1,008
0.6
Camas County
$11.02
$573
$22,920
1.5
$53,900
$1,348
$16,170
$404
117
27%
Canyon County
$14.04
$730
$29,200
1.9
$62,900
$1,573
$18,870
$472
17,722
29%
$9.40
$489
1.5
Caribou County
$11.02
$573
$22,920
1.5
$56,500
$1,413
$16,950
$424
566
21%
$14.20
$739
0.8
Cassia County
$11.02
$573
$22,920
1.5
$48,800
$1,220
$14,640
$366
2,371
31%
$9.21
$479
1.2
Clark County
$11.02
$573
$22,920
1.5
$34,300
$858
$10,290
$257
75
22%
$13.85
$720
0.8
Clearwater County
$11.02
$573
$22,920
1.5
$49,500
$1,238
$14,850
$371
797
22%
$9.57
$498
1.2
59
Idaho
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Custer County
$11.15
$580
$23,200
1.5
$59,600
$1,490
$17,880
$447
381
20%
$8.62
$448
1.3
Elmore County
$11.29
$587
$23,480
1.6
$53,400
$1,335
$16,020
$401
3,096
33%
$9.39
$488
1.2
Franklin County
$11.96
$622
$24,880
1.6
$57,300
$1,433
$17,190
$430
780
19%
$6.88
$358
1.7
Fremont County
$11.98
$623
$24,920
1.7
$54,700
$1,368
$16,410
$410
827
18%
$12.04
$626
1.0
Gem County
$12.71
$661
$26,440
1.8
$50,900
$1,273
$15,270
$382
1,339
21%
$7.72
$401
1.6
Gooding County
$11.02
$573
$22,920
1.5
$49,000
$1,225
$14,700
$368
1,504
27%
$11.48
$597
1.0
Idaho County
$11.02
$573
$22,920
1.5
$40,900
$1,023
$12,270
$307
1,597
24%
$8.96
$466
1.2
Jefferson County
$12.04
$626
$25,040
1.7
$61,200
$1,530
$18,360
$459
1,412
18%
$7.62
$396
1.6
Jerome County
$11.02
$573
$22,920
1.5
$49,300
$1,233
$14,790
$370
2,562
35%
$11.46
$596
1.0
Kootenai County
$13.87
$721
$28,840
1.9
$58,100
$1,453
$17,430
$436
15,962
29%
$9.91
$515
1.4
Latah County
$11.77
$612
$24,480
1.6
$57,400
$1,435
$17,220
$431
6,727
46%
$7.50
$390
1.6
Lemhi County
$11.02
$573
$22,920
1.5
$53,900
$1,348
$16,170
$404
965
27%
$5.77
$300
1.9
Lewis County
$11.02
$573
$22,920
1.5
$45,400
$1,135
$13,620
$341
450
27%
$7.33
$381
1.5
Lincoln County
$11.02
$573
$22,920
1.5
$51,700
$1,293
$15,510
$388
447
25%
$9.21
$479
1.2
Madison County
$11.06
$575
$23,000
1.5
$45,300
$1,133
$13,590
$340
4,739
48%
$8.41
$437
1.3
Minidoka County
$11.02
$573
$22,920
1.5
$48,600
$1,215
$14,580
$365
1,571
23%
$10.86
$564
1.0
Nez Perce County
$11.98
$623
$24,920
1.7
$55,800
$1,395
$16,740
$419
5,239
32%
$9.65
$502
1.2
Oneida County
$11.02
$573
$22,920
1.5
$54,400
$1,360
$16,320
$408
292
19%
$4.24
$220
2.6
Owyhee County
$14.04
$730
$29,200
1.9
$62,900
$1,573
$18,870
$472
1,294
32%
$10.14
$527
1.4
Payette County
$11.02
$573
$22,920
1.5
$53,600
$1,340
$16,080
$402
2,115
25%
$7.85
$408
1.4
Power County
$11.02
$573
$22,920
1.5
$55,400
$1,385
$16,620
$416
695
27%
$13.74
$714
0.8
Shoshone County
$11.02
$573
$22,920
1.5
$45,600
$1,140
$13,680
$342
1,654
29%
$12.44
$647
0.9
Teton County
$12.92
$672
$26,880
1.8
$58,500
$1,463
$17,550
$439
1,525
40%
$12.13
$631
1.1
Twin Falls County
$11.63
$605
$24,200
1.6
$50,900
$1,273
$15,270
$382
8,858
32%
$10.14
$527
1.1
Valley County
$12.31
$640
$25,600
1.7
$63,600
$1,590
$19,080
$477
978
22%
$10.62
$552
1.2
Washington County
$11.02
$573
$22,920
1.5
$47,300
$1,183
$14,190
$355
992
25%
$6.31
$328
1.7
60
Illinois
In Illinois, the Fair Market Rent (FMR) for a two-bedroom apartment is $873. In order to afford this level of rent and
$16.78
In Illinois, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a two-bedroom
In Illinois, the estimated mean (average) wage for a renter is $13.95. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$873
Two-Bedroom FMR
$1,792
$147
$335
Minimum Wage Earner
$444
SSI Recipient
$664
$726
$538
$429
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
61
Illinois
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Illinois
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$16.78
$873
$34,912
2.0
$71,677
$1,792
$21,503
$538
1,469,260
31%
$13.95
$726
1.2
$11.98
$623
$24,928
1.5
$57,321
$1,433
$17,196
$430
169,328
25%
$9.15
$476
1.3
Metropolitan Areas
Bloomington-Normal MSA
$14.13
$735
$29,400
1.7
$80,200
$2,005
$24,060
$602
20,028
32%
$11.66
$606
1.2
Bond County HMFA
$13.38
$696
$27,840
1.6
$62,100
$1,553
$18,630
$466
1,177
19%
$8.96
$466
1.5
Cape Girardeau-Jackson MSA
$11.46
$596
$23,840
1.4
$54,600
$1,365
$16,380
$410
947
29%
$6.73
$350
1.7
Champaign-Urbana MSA
$15.42
$802
$32,080
1.9
$68,000
$1,700
$20,400
$510
36,702
41%
$9.48
$493
1.6
Chicago-Naperville-Joliet HMFA
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
986,360
33%
$15.59
$811
1.2
Danville MSA
$12.04
$626
$25,040
1.5
$53,300
$1,333
$15,990
$400
9,242
29%
$9.06
$471
1.3
Davenport-Moline-Rock Island MSA
$12.62
$656
$26,240
1.5
$65,000
$1,625
$19,500
$488
23,259
27%
$12.38
$644
1.0
Decatur MSA
$12.31
$640
$25,600
1.5
$60,300
$1,508
$18,090
$452
12,988
29%
$11.46
$596
1.1
DeKalb County HMFA
$16.13
$839
$33,560
2.0
$75,000
$1,875
$22,500
$563
14,102
37%
$9.34
$486
1.7
Grundy County HMFA
$16.94
$881
$35,240
2.1
$79,700
$1,993
$23,910
$598
4,167
23%
$15.67
$815
1.1
Kankakee-Bradley MSA
$14.33
$745
$29,800
1.7
$65,300
$1,633
$19,590
$490
12,526
31%
$9.06
$471
1.6
Kendall County HMFA
$18.94
$985
$39,400
2.3
$92,300
$2,308
$27,690
$692
5,073
14%
$10.64
$553
1.8
Macoupin County HMFA
$11.23
$584
$23,360
1.4
$63,300
$1,583
$18,990
$475
4,179
22%
$7.70
$400
1.5
Peoria MSA
$13.25
$689
$27,560
1.6
$69,100
$1,728
$20,730
$518
39,478
26%
$12.28
$639
1.1
Rockford MSA
$13.87
$721
$28,840
1.7
$64,300
$1,608
$19,290
$482
36,745
28%
$9.71
$505
1.4
Springfield MSA
$13.25
$689
$27,560
1.6
$70,000
$1,750
$21,000
$525
25,032
29%
$9.62
$500
1.4
St. Louis HMFA
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
67,927
27%
$9.47
$492
1.6
Adams County
$11.37
$591
$23,640
1.4
$59,400
$1,485
$17,820
$446
7,113
26%
$9.51
$494
1.2
Alexander County
$11.46
$596
$23,840
1.4
$54,600
$1,365
$16,380
$410
947
29%
$6.73
$350
1.7
Bond County
$13.38
$696
$27,840
1.6
$62,100
$1,553
$18,630
$466
1,177
19%
$8.96
$466
1.5
Boone County
$13.87
$721
$28,840
1.7
$64,300
$1,608
$19,290
$482
3,124
17%
$9.30
$483
1.5
Brown County
$11.23
$584
$23,360
1.4
$45,700
$1,143
$13,710
$343
544
25%
$12.98
$675
0.9
Bureau County
$11.63
$605
$24,200
1.4
$58,600
$1,465
$17,580
$440
3,621
25%
$10.93
$568
1.1
Calhoun County
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
438
21%
$5.81
$302
2.6
Carroll County
$11.23
$584
$23,360
1.4
$57,400
$1,435
$17,220
$431
1,664
24%
$8.58
$446
1.3
Counties
62
Illinois
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Cass County
$12.60
$655
$26,200
1.5
$53,900
$1,348
$16,170
$404
1,445
29%
$10.66
$554
1.2
Champaign County
$15.42
$802
$32,080
1.9
$68,000
$1,700
$20,400
$510
34,324
44%
$9.39
$488
1.6
Christian County
$11.63
$605
$24,200
1.4
$55,900
$1,398
$16,770
$419
3,535
25%
$8.97
$466
1.3
Clark County
$12.54
$652
$26,080
1.5
$56,900
$1,423
$17,070
$427
1,545
23%
$9.13
$475
1.4
Clay County
$12.08
$628
$25,120
1.5
$49,800
$1,245
$14,940
$374
1,324
24%
$9.07
$471
1.3
Clinton County
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
2,806
20%
$8.45
$440
1.8
Coles County
$12.50
$650
$26,000
1.5
$58,000
$1,450
$17,400
$435
7,845
38%
$7.81
$406
1.6
Cook County
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
766,490
40%
$16.74
$871
1.1
Crawford County
$11.23
$584
$23,360
1.4
$53,100
$1,328
$15,930
$398
1,533
20%
$11.82
$615
0.9
Cumberland County
$11.23
$584
$23,360
1.4
$56,800
$1,420
$17,040
$426
849
20%
$8.84
$460
1.3
De Witt County
$11.23
$584
$23,360
1.4
$62,100
$1,553
$18,630
$466
1,633
24%
$13.73
$714
0.8
DeKalb County
$16.13
$839
$33,560
2.0
$75,000
$1,875
$22,500
$563
14,102
37%
$9.34
$486
1.7
Douglas County
$11.87
$617
$24,680
1.4
$63,200
$1,580
$18,960
$474
1,646
22%
$8.64
$449
1.4
DuPage County
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
80,099
24%
$15.96
$830
1.2
Edgar County
$11.23
$584
$23,360
1.4
$54,400
$1,360
$16,320
$408
1,889
24%
$11.01
$572
1.0
Edwards County
$11.23
$584
$23,360
1.4
$54,600
$1,365
$16,380
$410
633
23%
$11.68
$607
1.0
Effingham County
$11.23
$584
$23,360
1.4
$64,500
$1,613
$19,350
$484
2,823
21%
$8.43
$439
1.3
Fayette County
$11.23
$584
$23,360
1.4
$51,100
$1,278
$15,330
$383
1,677
21%
$9.49
$493
1.2
Ford County
$15.42
$802
$32,080
1.9
$68,000
$1,700
$20,400
$510
1,181
21%
$11.09
$577
1.4
Franklin County
$11.23
$584
$23,360
1.4
$46,400
$1,160
$13,920
$348
3,491
22%
$7.96
$414
1.4
Fulton County
$11.60
$603
$24,120
1.4
$53,000
$1,325
$15,900
$398
3,163
22%
$7.17
$373
1.6
Gallatin County
$11.23
$584
$23,360
1.4
$47,400
$1,185
$14,220
$356
498
21%
$8.67
$451
1.3
Greene County
$11.23
$584
$23,360
1.4
$53,200
$1,330
$15,960
$399
1,254
22%
$7.07
$368
1.6
Grundy County
$16.94
$881
$35,240
2.1
$79,700
$1,993
$23,910
$598
4,167
23%
$15.67
$815
1.1
Hamilton County
$11.23
$584
$23,360
1.4
$51,100
$1,278
$15,330
$383
571
16%
$5.54
$288
2.0
Hancock County
$11.23
$584
$23,360
1.4
$59,500
$1,488
$17,850
$446
1,608
20%
$8.59
$447
1.3
Hardin County
$11.23
$584
$23,360
1.4
$44,100
$1,103
$13,230
$331
429
23%
$6.78
$353
1.7
Henderson County
$11.23
$584
$23,360
1.4
$53,500
$1,338
$16,050
$401
701
22%
$8.29
$431
1.4
Henry County
$12.62
$656
$26,240
1.5
$65,000
$1,625
$19,500
$488
4,643
23%
$9.78
$508
1.3
Iroquois County
$12.25
$637
$25,480
1.5
$59,700
$1,493
$17,910
$448
2,816
24%
$8.84
$460
1.4
Jackson County
$12.71
$661
$26,440
1.5
$54,900
$1,373
$16,470
$412
10,834
46%
$6.81
$354
1.9
63
Illinois
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Jasper County
$11.23
$584
$23,360
1.4
$56,600
$1,415
$16,980
$425
713
18%
$10.14
$527
1.1
Jefferson County
$11.23
$584
$23,360
1.4
$54,000
$1,350
$16,200
$405
3,841
25%
$8.56
$445
1.3
Jersey County
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
1,816
21%
$6.88
$358
2.2
Jo Daviess County
$11.85
$616
$24,640
1.4
$65,300
$1,633
$19,590
$490
2,188
22%
$8.63
$449
1.4
Johnson County
$11.25
$585
$23,400
1.4
$57,500
$1,438
$17,250
$431
887
20%
$5.40
$281
2.1
Kane County
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
37,791
22%
$10.04
$522
1.8
Kankakee County
$14.33
$745
$29,800
1.7
$65,300
$1,633
$19,590
$490
12,526
31%
$9.06
$471
1.6
Kendall County
$18.94
$985
$39,400
2.3
$92,300
$2,308
$27,690
$692
5,073
14%
$10.64
$553
1.8
Knox County
$11.23
$584
$23,360
1.4
$53,700
$1,343
$16,110
$403
6,791
31%
$7.44
$387
1.5
La Salle County
$14.27
$742
$29,680
1.7
$65,100
$1,628
$19,530
$488
10,733
24%
$9.96
$518
1.4
Lake County
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
51,794
22%
$14.80
$770
1.2
Lawrence County
$11.23
$584
$23,360
1.4
$49,400
$1,235
$14,820
$371
1,746
28%
$8.71
$453
1.3
Lee County
$11.81
$614
$24,560
1.4
$64,900
$1,623
$19,470
$487
3,553
26%
$11.10
$577
1.1
Livingston County
$12.13
$631
$25,240
1.5
$64,300
$1,608
$19,290
$482
3,546
24%
$10.58
$550
1.1
Logan County
$11.90
$619
$24,760
1.4
$65,500
$1,638
$19,650
$491
2,803
26%
$8.21
$427
1.5
Macon County
$12.31
$640
$25,600
1.5
$60,300
$1,508
$18,090
$452
12,988
29%
$11.46
$596
1.1
Macoupin County
$11.23
$584
$23,360
1.4
$63,300
$1,583
$18,990
$475
4,179
22%
$7.70
$400
1.5
Madison County
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
27,298
26%
$9.40
$489
1.6
Marion County
$11.23
$584
$23,360
1.4
$51,800
$1,295
$15,540
$389
4,101
25%
$9.34
$485
1.2
Marshall County
$13.25
$689
$27,560
1.6
$69,100
$1,728
$20,730
$518
929
18%
$8.37
$435
1.6
Mason County
$11.54
$600
$24,000
1.4
$54,600
$1,365
$16,380
$410
1,267
20%
$7.56
$393
1.5
Massac County
$11.23
$584
$23,360
1.4
$52,800
$1,320
$15,840
$396
1,243
20%
$12.15
$632
0.9
McDonough County
$14.04
$730
$29,200
1.7
$54,600
$1,365
$16,380
$410
4,856
38%
$5.86
$305
2.4
McHenry County
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
17,176
16%
$9.64
$501
1.9
McLean County
$14.13
$735
$29,400
1.7
$80,200
$2,005
$24,060
$602
20,028
32%
$11.66
$606
1.2
Menard County
$13.25
$689
$27,560
1.6
$70,000
$1,750
$21,000
$525
884
17%
$6.56
$341
2.0
Mercer County
$12.62
$656
$26,240
1.5
$65,000
$1,625
$19,500
$488
1,376
20%
$8.98
$467
1.4
Monroe County
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
2,272
18%
$9.32
$484
1.6
Montgomery County
$11.23
$584
$23,360
1.4
$58,400
$1,460
$17,520
$438
2,599
22%
$9.14
$475
1.2
Morgan County
$11.65
$606
$24,240
1.4
$62,400
$1,560
$18,720
$468
4,151
30%
$8.69
$452
1.3
Moultrie County
$11.23
$584
$23,360
1.4
$56,700
$1,418
$17,010
$425
1,191
21%
$11.78
$612
1.0
64
Illinois
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Ogle County
$13.17
$685
$27,400
1.6
$69,400
$1,735
$20,820
$521
5,043
24%
$12.21
$635
1.1
Peoria County
$13.25
$689
$27,560
1.6
$69,100
$1,728
$20,730
$518
23,871
32%
$12.05
$627
1.1
Perry County
$11.23
$584
$23,360
1.4
$51,300
$1,283
$15,390
$385
1,787
22%
$7.20
$374
1.6
Piatt County
$15.42
$802
$32,080
1.9
$68,000
$1,700
$20,400
$510
1,197
18%
$9.52
$495
1.6
Pike County
$11.23
$584
$23,360
1.4
$55,500
$1,388
$16,650
$416
1,395
21%
$8.03
$417
1.4
Pope County
$11.23
$584
$23,360
1.4
$59,000
$1,475
$17,700
$443
407
22%
$5.37
$279
2.1
Pulaski County
$11.23
$584
$23,360
1.4
$40,100
$1,003
$12,030
$301
658
26%
$9.49
$493
1.2
Putnam County
$11.81
$614
$24,560
1.4
$70,900
$1,773
$21,270
$532
509
20%
$12.74
$663
0.9
Randolph County
$11.23
$584
$23,360
1.4
$57,700
$1,443
$17,310
$433
2,559
21%
$8.63
$449
1.3
Richland County
$11.23
$584
$23,360
1.4
$52,600
$1,315
$15,780
$395
1,441
22%
$9.10
$473
1.2
Rock Island County
$12.62
$656
$26,240
1.5
$65,000
$1,625
$19,500
$488
17,240
29%
$12.92
$672
1.0
Saline County
$11.23
$584
$23,360
1.4
$49,500
$1,238
$14,850
$371
2,904
27%
$9.29
$483
1.2
Sangamon County
$13.25
$689
$27,560
1.6
$70,000
$1,750
$21,000
$525
24,148
29%
$9.67
$503
1.4
Schuyler County
$11.23
$584
$23,360
1.4
$56,800
$1,420
$17,040
$426
637
21%
$11.58
$602
1.0
Scott County
$11.23
$584
$23,360
1.4
$67,100
$1,678
$20,130
$503
507
24%
$11.12
$578
1.0
Shelby County
$11.42
$594
$23,760
1.4
$58,900
$1,473
$17,670
$442
1,853
21%
$8.04
$418
1.4
St. Clair County
$15.23
$792
$31,680
1.8
$70,400
$1,760
$21,120
$528
33,297
32%
$9.84
$512
1.5
Stark County
$13.25
$689
$27,560
1.6
$69,100
$1,728
$20,730
$518
442
18%
$10.81
$562
1.2
Stephenson County
$11.71
$609
$24,360
1.4
$59,500
$1,488
$17,850
$446
5,415
28%
$9.16
$476
1.3
Tazewell County
$13.25
$689
$27,560
1.6
$69,100
$1,728
$20,730
$518
11,862
22%
$13.78
$717
1.0
Union County
$11.23
$584
$23,360
1.4
$51,200
$1,280
$15,360
$384
1,707
24%
$7.15
$372
1.6
Vermilion County
$12.04
$626
$25,040
1.5
$53,300
$1,333
$15,990
$400
9,242
29%
$9.06
$471
1.3
Wabash County
$11.23
$584
$23,360
1.4
$60,900
$1,523
$18,270
$457
974
20%
$9.36
$487
1.2
Warren County
$12.33
$641
$25,640
1.5
$49,700
$1,243
$14,910
$373
1,893
28%
$7.42
$386
1.7
Washington County
$11.33
$589
$23,560
1.4
$66,300
$1,658
$19,890
$497
1,019
17%
$12.71
$661
0.9
Wayne County
$11.23
$584
$23,360
1.4
$49,900
$1,248
$14,970
$374
1,766
24%
$9.21
$479
1.2
White County
$11.23
$584
$23,360
1.4
$51,600
$1,290
$15,480
$387
1,302
20%
$7.74
$402
1.5
Whiteside County
$12.87
$669
$26,760
1.6
$56,800
$1,420
$17,040
$426
5,700
24%
$9.44
$491
1.4
Will County
$18.42
$958
$38,320
2.2
$75,800
$1,895
$22,740
$569
33,010
15%
$9.57
$497
1.9
Williamson County
$12.12
$630
$25,200
1.5
$51,300
$1,283
$15,390
$385
6,959
26%
$8.89
$462
1.4
Winnebago County
$13.87
$721
$28,840
1.7
$64,300
$1,608
$19,290
$482
33,621
30%
$9.75
$507
1.4
65
Illinois
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Woodford County
$13.25
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
$689
$27,560
1.6
Annual
2
AMI
$69,100
Rent
affordable
at AMI 3
$1,728
30%
4
of AMI
$20,730
Rent
affordable
at 30%
of AMI
$518
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
2,374
17%
Estimated
Rent
hourly wage at mean
wage
(2012)
$7.03
$366
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
1.9
66
Indiana
In Indiana, the Fair Market Rent (FMR) for a two-bedroom apartment is $698. In order to afford this level of rent and
$13.43
In Indiana, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Indiana, the estimated mean (average) wage for a renter is $11.12. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$698
Two-Bedroom FMR
$1,548
$120
$234
Minimum Wage Earner
$321
SSI Recipient
$489
$578
$464
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
67
Indiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Indiana
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.43
$698
$27,933
1.9
$61,908
$1,548
$18,572
$464
701,621
28%
$11.12
$578
1.2
$11.77
$612
$24,483
1.6
$56,054
$1,401
$16,816
$420
127,261
24%
$9.84
$512
1.2
Anderson MSA
$12.31
$640
$25,600
1.7
$57,800
$1,445
$17,340
$434
13,656
27%
$8.40
$437
1.5
Bloomington HMFA
$13.92
$724
$28,960
1.9
$63,800
$1,595
$19,140
$479
23,028
45%
$8.24
$428
1.7
Carroll County HMFA
$11.50
$598
$23,920
1.6
$62,200
$1,555
$18,660
$467
1,640
20%
$8.80
$458
1.3
Cincinnati-Middleton HMFA
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
6,570
23%
$8.50
$442
1.6
Columbus MSA
$13.96
$726
$29,040
1.9
$68,200
$1,705
$20,460
$512
8,213
28%
$13.79
$717
1.0
Elkhart-Goshen MSA
$13.60
$707
$28,280
1.9
$51,800
$1,295
$15,540
$389
19,113
27%
$10.74
$558
1.3
Evansville HMFA
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
30,953
29%
$10.66
$554
1.2
Fort Wayne MSA
$12.19
$634
$25,360
1.7
$63,800
$1,595
$19,140
$479
44,481
28%
$10.71
$557
1.1
Gary HMFA
$15.73
$818
$32,720
2.2
$66,100
$1,653
$19,830
$496
67,714
27%
$10.70
$556
1.5
Gibson County HMFA
$11.29
$587
$23,480
1.6
$63,700
$1,593
$19,110
$478
2,900
22%
$12.06
$627
0.9
Greene County HMFA
$11.23
$584
$23,360
1.5
$52,800
$1,320
$15,840
$396
2,870
22%
$6.53
$339
1.7
Indianapolis HMFA
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
207,126
32%
$13.20
$686
1.1
Jasper County HMFA
$13.40
$697
$27,880
1.8
$65,700
$1,643
$19,710
$493
2,597
21%
$9.63
$501
1.4
Kokomo MSA
$12.48
$649
$25,960
1.7
$59,900
$1,498
$17,970
$449
11,573
28%
$10.94
$569
1.1
Lafayette HMFA
$13.98
$727
$29,080
1.9
$63,100
$1,578
$18,930
$473
29,094
43%
$9.93
$516
1.4
Louisville HMFA
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
22,514
26%
$8.91
$464
1.5
Michigan City-La Porte MSA
$12.90
$671
$26,840
1.8
$60,400
$1,510
$18,120
$453
10,339
25%
$9.37
$487
1.4
Muncie MSA
$11.88
$618
$24,720
1.6
$53,000
$1,325
$15,900
$398
15,508
34%
$8.49
$441
1.4
Owen County HMFA
$11.35
$590
$23,600
1.6
$54,400
$1,360
$16,320
$408
1,496
18%
$9.76
$508
1.2
Putnam County HMFA
$12.85
$668
$26,720
1.8
$62,100
$1,553
$18,630
$466
2,820
22%
$8.22
$427
1.6
South Bend-Mishawaka HMFA
$13.75
$715
$28,600
1.9
$60,300
$1,508
$18,090
$452
28,661
29%
$11.09
$577
1.2
Sullivan County HMFA
$11.23
$584
$23,360
1.5
$52,900
$1,323
$15,870
$397
1,838
23%
$8.74
$455
1.3
Terre Haute HMFA
$11.85
$616
$24,640
1.6
$53,800
$1,345
$16,140
$404
17,410
30%
$9.83
$511
1.2
Washington County HMFA
$11.23
$584
$23,360
1.5
$48,500
$1,213
$14,550
$364
2,246
21%
$7.07
$368
1.6
$11.23
$584
1.5
$57,300
$1,433
$17,190
$430
2,654
22%
$8.97
Metropolitan Areas
Counties
Adams County
$23,360
$466
1.3
68
Indiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Allen County
$12.19
$634
$25,360
1.7
$63,800
$1,595
$19,140
$479
39,899
29%
$10.92
$568
1.1
Bartholomew County
$13.96
$726
$29,040
1.9
$68,200
$1,705
$20,460
$512
8,213
28%
$13.79
$717
1.0
Benton County
$13.98
$727
$29,080
1.9
$63,100
$1,578
$18,930
$473
757
21%
$10.58
$550
1.3
Blackford County
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
1,181
22%
$8.18
$425
1.4
Boone County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
4,352
21%
$9.18
$477
1.6
Brown County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
903
15%
$5.67
$295
2.5
Carroll County
$11.50
$598
$23,920
1.6
$62,200
$1,555
$18,660
$467
1,640
20%
$8.80
$458
1.3
Cass County
$11.31
$588
$23,520
1.6
$54,800
$1,370
$16,440
$411
3,656
24%
$9.50
$494
1.2
Clark County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
12,453
29%
$9.28
$483
1.4
Clay County
$11.85
$616
$24,640
1.6
$53,800
$1,345
$16,140
$404
2,140
21%
$8.44
$439
1.4
Clinton County
$12.38
$644
$25,760
1.7
$60,500
$1,513
$18,150
$454
3,167
27%
$10.34
$538
1.2
Crawford County
$11.23
$584
$23,360
1.5
$46,400
$1,160
$13,920
$348
705
16%
$5.15
$268
2.2
Daviess County
$11.23
$584
$23,360
1.5
$55,500
$1,388
$16,650
$416
2,251
20%
$8.74
$455
1.3
Dearborn County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
4,170
23%
$8.97
$466
1.5
Decatur County
$11.98
$623
$24,920
1.7
$55,700
$1,393
$16,710
$418
2,798
28%
$11.35
$590
1.1
DeKalb County
$11.62
$604
$24,160
1.6
$59,700
$1,493
$17,910
$448
3,172
20%
$11.40
$593
1.0
Delaware County
$11.88
$618
$24,720
1.6
$53,000
$1,325
$15,900
$398
15,508
34%
$8.49
$441
1.4
Dubois County
$11.23
$584
$23,360
1.5
$70,000
$1,750
$21,000
$525
3,309
21%
$9.80
$509
1.1
Elkhart County
$13.60
$707
$28,280
1.9
$51,800
$1,295
$15,540
$389
19,113
27%
$10.74
$558
1.3
Fayette County
$11.48
$597
$23,880
1.6
$51,300
$1,283
$15,390
$385
2,562
26%
$7.41
$385
1.5
Floyd County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
7,806
27%
$8.81
$458
1.5
Fountain County
$11.23
$584
$23,360
1.5
$57,400
$1,435
$17,220
$431
1,447
21%
$9.59
$499
1.2
Franklin County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
1,783
21%
$6.97
$363
2.0
Fulton County
$11.50
$598
$23,920
1.6
$53,200
$1,330
$15,960
$399
2,098
25%
$9.95
$517
1.2
Gibson County
$11.29
$587
$23,480
1.6
$63,700
$1,593
$19,110
$478
2,900
22%
$12.06
$627
0.9
Grant County
$11.38
$592
$23,680
1.6
$52,700
$1,318
$15,810
$395
7,866
29%
$10.11
$526
1.1
Greene County
$11.23
$584
$23,360
1.5
$52,800
$1,320
$15,840
$396
2,870
22%
$6.53
$339
1.7
Hamilton County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
19,120
20%
$11.77
$612
1.2
Hancock County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
5,075
20%
$8.55
$445
1.7
Harrison County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
2,255
16%
$7.58
$394
1.8
Hendricks County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
8,953
18%
$9.36
$487
1.5
69
Indiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Henry County
$11.42
$594
$23,760
1.6
$56,800
$1,420
$17,040
$426
4,467
24%
$8.13
$423
1.4
Howard County
$12.48
$649
$25,960
1.7
$59,900
$1,498
$17,970
$449
10,143
30%
$11.01
$572
1.1
Huntington County
$11.98
$623
$24,920
1.7
$58,800
$1,470
$17,640
$441
2,885
20%
$9.70
$505
1.2
Jackson County
$13.38
$696
$27,840
1.8
$56,100
$1,403
$16,830
$421
4,423
26%
$10.37
$539
1.3
Jasper County
$13.40
$697
$27,880
1.8
$65,700
$1,643
$19,710
$493
2,597
21%
$9.63
$501
1.4
Jay County
$11.23
$584
$23,360
1.5
$50,700
$1,268
$15,210
$380
1,741
21%
$8.55
$444
1.3
Jefferson County
$11.88
$618
$24,720
1.6
$53,900
$1,348
$16,170
$404
3,572
28%
$9.53
$495
1.2
Jennings County
$11.23
$584
$23,360
1.5
$49,400
$1,235
$14,820
$371
2,927
27%
$11.89
$618
0.9
Johnson County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
12,365
24%
$8.38
$436
1.7
Knox County
$11.23
$584
$23,360
1.5
$54,200
$1,355
$16,260
$407
4,491
30%
$8.00
$416
1.4
Kosciusko County
$12.50
$650
$26,000
1.7
$59,200
$1,480
$17,760
$444
7,095
23%
$12.95
$673
1.0
LaGrange County
$13.21
$687
$27,480
1.8
$58,400
$1,460
$17,520
$438
2,077
17%
$9.16
$476
1.4
Lake County
$15.73
$818
$32,720
2.2
$66,100
$1,653
$19,830
$496
53,193
29%
$10.85
$564
1.4
LaPorte County
$12.90
$671
$26,840
1.8
$60,400
$1,510
$18,120
$453
10,339
25%
$9.37
$487
1.4
Lawrence County
$11.69
$608
$24,320
1.6
$52,300
$1,308
$15,690
$392
3,992
21%
$8.14
$423
1.4
Madison County
$12.31
$640
$25,600
1.7
$57,800
$1,445
$17,340
$434
13,656
27%
$8.40
$437
1.5
Marion County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
146,983
41%
$14.70
$764
1.0
Marshall County
$12.75
$663
$26,520
1.8
$61,800
$1,545
$18,540
$464
3,834
22%
$9.62
$500
1.3
Martin County
$11.23
$584
$23,360
1.5
$57,100
$1,428
$17,130
$428
667
16%
$10.44
$543
1.1
Miami County
$11.23
$584
$23,360
1.5
$51,800
$1,295
$15,540
$389
3,158
23%
$8.41
$437
1.3
Monroe County
$13.92
$724
$28,960
1.9
$63,800
$1,595
$19,140
$479
23,028
45%
$8.24
$428
1.7
Montgomery County
$11.92
$620
$24,800
1.6
$61,800
$1,545
$18,540
$464
3,835
26%
$10.25
$533
1.2
Morgan County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
4,956
20%
$7.96
$414
1.8
Newton County
$15.73
$818
$32,720
2.2
$66,100
$1,653
$19,830
$496
984
18%
$10.14
$527
1.6
Noble County
$11.87
$617
$24,680
1.6
$58,000
$1,450
$17,400
$435
3,949
23%
$10.20
$530
1.2
Ohio County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
617
25%
$8.02
$417
1.7
Orange County
$11.23
$584
$23,360
1.5
$47,100
$1,178
$14,130
$353
1,775
23%
$7.03
$366
1.6
Owen County
$11.35
$590
$23,600
1.6
$54,400
$1,360
$16,320
$408
1,496
18%
$9.76
$508
1.2
Parke County
$11.23
$584
$23,360
1.5
$54,000
$1,350
$16,200
$405
1,125
17%
$7.06
$367
1.6
Perry County
$11.23
$584
$23,360
1.5
$57,600
$1,440
$17,280
$432
1,679
22%
$8.99
$467
1.2
Pike County
$11.23
$584
$23,360
1.5
$52,000
$1,300
$15,600
$390
831
16%
$12.73
$662
0.9
70
Indiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Porter County
$15.73
$818
$32,720
2.2
$66,100
$1,653
$19,830
$496
13,537
22%
$10.23
$532
1.5
Posey County
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
1,525
15%
$9.76
$507
1.3
Pulaski County
$11.23
$584
$23,360
1.5
$56,500
$1,413
$16,950
$424
1,082
21%
$9.60
$499
1.2
Putnam County
$12.85
$668
$26,720
1.8
$62,100
$1,553
$18,630
$466
2,820
22%
$8.22
$427
1.6
Randolph County
$11.23
$584
$23,360
1.5
$49,600
$1,240
$14,880
$372
2,387
23%
$10.34
$538
1.1
Ripley County
$13.44
$699
$27,960
1.9
$59,800
$1,495
$17,940
$449
2,332
22%
$12.80
$666
1.1
Rush County
$11.27
$586
$23,440
1.6
$54,900
$1,373
$16,470
$412
1,735
26%
$8.84
$460
1.3
Scott County
$12.79
$665
$26,600
1.8
$48,000
$1,200
$14,400
$360
2,229
24%
$8.30
$432
1.5
Shelby County
$14.37
$747
$29,880
2.0
$66,900
$1,673
$20,070
$502
4,419
26%
$10.73
$558
1.3
Spencer County
$11.35
$590
$23,600
1.6
$63,000
$1,575
$18,900
$473
1,339
17%
$7.14
$371
1.6
St. Joseph County
$13.75
$715
$28,600
1.9
$60,300
$1,508
$18,090
$452
28,661
29%
$11.09
$577
1.2
Starke County
$11.23
$584
$23,360
1.5
$48,400
$1,210
$14,520
$363
1,812
20%
$7.53
$392
1.5
Steuben County
$12.73
$662
$26,480
1.8
$59,600
$1,490
$17,880
$447
2,931
21%
$9.48
$493
1.3
Sullivan County
$11.23
$584
$23,360
1.5
$52,900
$1,323
$15,870
$397
1,838
23%
$8.74
$455
1.3
Switzerland County
$11.23
$584
$23,360
1.5
$56,700
$1,418
$17,010
$425
767
19%
$9.70
$504
1.2
Tippecanoe County
$13.98
$727
$29,080
1.9
$63,100
$1,578
$18,930
$473
28,337
44%
$9.91
$515
1.4
Tipton County
$12.48
$649
$25,960
1.7
$59,900
$1,498
$17,970
$449
1,430
22%
$10.36
$539
1.2
Union County
$11.23
$584
$23,360
1.5
$53,600
$1,340
$16,080
$402
615
21%
$8.72
$453
1.3
Vanderburgh County
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
25,843
35%
$10.97
$570
1.2
Vermillion County
$11.85
$616
$24,640
1.6
$53,800
$1,345
$16,140
$404
1,442
22%
$14.37
$747
0.8
Vigo County
$11.85
$616
$24,640
1.6
$53,800
$1,345
$16,140
$404
13,828
34%
$9.64
$501
1.2
Wabash County
$11.23
$584
$23,360
1.5
$58,100
$1,453
$17,430
$436
2,876
22%
$8.18
$425
1.4
Warren County
$11.23
$584
$23,360
1.5
$56,700
$1,418
$17,010
$425
736
22%
$7.77
$404
1.4
Warrick County
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
3,585
16%
$8.85
$460
1.5
Washington County
$11.23
$584
$23,360
1.5
$48,500
$1,213
$14,550
$364
2,246
21%
$7.07
$368
1.6
Wayne County
$11.69
$608
$24,320
1.6
$54,200
$1,355
$16,260
$407
8,772
31%
$10.01
$521
1.2
Wells County
$12.19
$634
$25,360
1.7
$63,800
$1,595
$19,140
$479
2,357
22%
$9.48
$493
1.3
White County
$11.63
$605
$24,200
1.6
$54,700
$1,368
$16,410
$410
2,259
22%
$8.80
$458
1.3
Whitley County
$12.19
$634
$25,360
1.7
$63,800
$1,595
$19,140
$479
2,225
17%
$8.43
$438
1.4
71
Iowa
In Iowa, the Fair Market Rent (FMR) for a two-bedroom apartment is $637. In order to afford this level of rent and
$12.25
In Iowa, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Iowa, the estimated mean (average) wage for a renter is $10.29. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$637
Two-Bedroom FMR
$1,646
$102
$143
Minimum Wage Earner
$260
SSI Recipient
$428
$535
$494
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
72
Iowa
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Iowa
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.25
$637
$25,477
1.7
$65,847
$1,646
$19,754
$494
326,042
27%
$10.29
$535
1.2
$10.80
$562
$22,474
1.5
$59,335
$1,483
$17,800
$445
128,793
24%
$9.36
$487
1.2
Ames MSA
$13.96
$726
$29,040
1.9
$78,500
$1,963
$23,550
$589
15,484
45%
$9.40
$489
1.5
Benton County HMFA
$10.37
$539
$21,560
1.4
$69,300
$1,733
$20,790
$520
1,951
19%
$7.43
$386
1.4
Bremer County HMFA
$11.56
$601
$24,040
1.6
$70,100
$1,753
$21,030
$526
1,684
18%
$9.09
$473
1.3
Cedar Rapids HMFA
$12.33
$641
$25,640
1.7
$71,000
$1,775
$21,300
$533
23,175
27%
$11.85
$616
1.0
Davenport-Moline-Rock Island MSA
$12.62
$656
$26,240
1.7
$65,000
$1,625
$19,500
$488
19,655
30%
$10.24
$533
1.2
Des Moines-West Des Moines MSA
$14.06
$731
$29,240
1.9
$75,500
$1,888
$22,650
$566
60,185
27%
$12.39
$644
1.1
Metropolitan Areas
Dubuque MSA
$11.35
$590
$23,600
1.6
$64,600
$1,615
$19,380
$485
9,294
25%
$9.77
$508
1.2
Iowa City HMFA
$14.19
$738
$29,520
2.0
$80,300
$2,008
$24,090
$602
20,227
40%
$7.72
$401
1.8
Jones County HMFA
$10.44
$543
$21,720
1.4
$63,200
$1,580
$18,960
$474
1,687
21%
$10.04
$522
1.0
Omaha-Council Bluffs HMFA
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
12,666
26%
$8.84
$459
1.6
Sioux City MSA
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
12,163
31%
$9.58
$498
1.3
$10.90
$567
$22,680
1.5
$64,400
$1,610
$19,320
$483
2,017
23%
$7.60
$395
1.4
Waterloo-Cedar Falls HMFA
$12.00
$624
$24,960
1.7
$62,900
$1,573
$18,870
$472
17,061
30%
$10.09
$525
1.2
Adair County
$10.77
$560
$22,400
1.5
$61,000
$1,525
$18,300
$458
826
24%
$8.87
$461
1.2
Adams County
$10.31
$536
$21,440
1.4
$58,100
$1,453
$17,430
$436
371
21%
$8.02
$417
1.3
Allamakee County
$10.27
$534
$21,360
1.4
$55,100
$1,378
$16,530
$413
1,179
20%
$9.21
$479
1.1
Appanoose County
$10.27
$534
$21,360
1.4
$43,800
$1,095
$13,140
$329
1,422
26%
$6.96
$362
1.5
Audubon County
$10.27
$534
$21,360
1.4
$59,400
$1,485
$17,820
$446
543
20%
$11.88
$618
0.9
Benton County
$10.37
$539
$21,560
1.4
$69,300
$1,733
$20,790
$520
1,951
19%
$7.43
$386
1.4
Black Hawk County
$12.00
$624
$24,960
1.7
$62,900
$1,573
$18,870
$472
16,089
31%
$10.07
$524
1.2
Boone County
$11.79
$613
$24,520
1.6
$66,500
$1,663
$19,950
$499
2,664
25%
$8.93
$465
1.3
Bremer County
$11.56
$601
$24,040
1.6
$70,100
$1,753
$21,030
$526
1,684
18%
$9.09
$473
1.3
Buchanan County
$10.27
$534
$21,360
1.4
$64,200
$1,605
$19,260
$482
1,813
22%
$9.07
$472
1.1
Buena Vista County
$10.87
$565
$22,600
1.5
$53,200
$1,330
$15,960
$399
2,316
31%
$11.71
$609
0.9
Butler County
$10.27
$534
$21,360
1.4
$61,300
$1,533
$18,390
$460
1,080
18%
$10.54
$548
1.0
Counties
73
Iowa
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Calhoun County
$10.27
$534
$21,360
1.4
$53,400
$1,335
$16,020
$401
877
20%
$9.74
$507
1.1
Carroll County
$10.27
$534
$21,360
1.4
$66,100
$1,653
$19,830
$496
2,165
25%
$7.75
$403
1.3
Cass County
$10.27
$534
$21,360
1.4
$50,700
$1,268
$15,210
$380
1,737
29%
$9.75
$507
1.1
Cedar County
$11.37
$591
$23,640
1.6
$65,800
$1,645
$19,740
$494
1,547
20%
$9.99
$519
1.1
Cerro Gordo County
$11.85
$616
$24,640
1.6
$63,400
$1,585
$19,020
$476
5,642
28%
$9.76
$508
1.2
Cherokee County
$10.27
$534
$21,360
1.4
$59,700
$1,493
$17,910
$448
1,309
24%
$9.92
$516
1.0
Chickasaw County
$10.27
$534
$21,360
1.4
$54,100
$1,353
$16,230
$406
824
15%
$8.99
$468
1.1
Clarke County
$10.27
$534
$21,360
1.4
$56,800
$1,420
$17,040
$426
772
22%
$7.85
$408
1.3
Clay County
$10.27
$534
$21,360
1.4
$55,700
$1,393
$16,710
$418
2,191
29%
$8.77
$456
1.2
Clayton County
$10.27
$534
$21,360
1.4
$58,900
$1,473
$17,670
$442
1,742
23%
$8.48
$441
1.2
Clinton County
$10.69
$556
$22,240
1.5
$59,700
$1,493
$17,910
$448
4,970
25%
$9.33
$485
1.1
Crawford County
$10.27
$534
$21,360
1.4
$55,100
$1,378
$16,530
$413
1,328
21%
$8.62
$448
1.2
Dallas County
$14.06
$731
$29,240
1.9
$75,500
$1,888
$22,650
$566
5,369
22%
$11.65
$606
1.2
Davis County
$10.27
$534
$21,360
1.4
$55,200
$1,380
$16,560
$414
540
17%
$8.39
$436
1.2
Decatur County
$10.27
$534
$21,360
1.4
$45,800
$1,145
$13,740
$344
1,030
32%
$5.74
$298
1.8
Delaware County
$10.27
$534
$21,360
1.4
$63,000
$1,575
$18,900
$473
1,415
19%
$8.67
$451
1.2
Des Moines County
$11.77
$612
$24,480
1.6
$57,000
$1,425
$17,100
$428
4,460
26%
$9.66
$503
1.2
Dickinson County
$10.27
$534
$21,360
1.4
$63,100
$1,578
$18,930
$473
1,755
22%
$7.31
$380
1.4
Dubuque County
$11.35
$590
$23,600
1.6
$64,600
$1,615
$19,380
$485
9,294
25%
$9.77
$508
1.2
Emmet County
$10.44
$543
$21,720
1.4
$58,800
$1,470
$17,640
$441
1,002
23%
$7.73
$402
1.4
Fayette County
$10.27
$534
$21,360
1.4
$53,900
$1,348
$16,170
$404
1,826
22%
$8.91
$463
1.2
Floyd County
$10.27
$534
$21,360
1.4
$56,200
$1,405
$16,860
$422
1,731
26%
$6.88
$358
1.5
Franklin County
$10.27
$534
$21,360
1.4
$57,700
$1,443
$17,310
$433
1,084
26%
$13.38
$696
0.8
Fremont County
$10.27
$534
$21,360
1.4
$61,600
$1,540
$18,480
$462
688
22%
$9.36
$487
1.1
Greene County
$10.27
$534
$21,360
1.4
$62,200
$1,555
$18,660
$467
990
24%
$9.99
$520
1.0
Grundy County
$12.00
$624
$24,960
1.7
$62,900
$1,573
$18,870
$472
972
19%
$10.40
$541
1.2
Guthrie County
$14.06
$731
$29,240
1.9
$75,500
$1,888
$22,650
$566
976
21%
$9.31
$484
1.5
Hamilton County
$11.75
$611
$24,440
1.6
$63,400
$1,585
$19,020
$476
1,538
23%
$8.24
$429
1.4
Hancock County
$10.44
$543
$21,720
1.4
$60,400
$1,510
$18,120
$453
833
17%
$9.95
$517
1.0
Hardin County
$10.42
$542
$21,680
1.4
$57,300
$1,433
$17,190
$430
1,927
26%
$10.78
$561
1.0
Harrison County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
1,253
21%
$6.40
$333
2.3
74
Iowa
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Henry County
$10.44
$543
$21,720
1.4
$57,900
$1,448
$17,370
$434
2,006
26%
$9.76
$508
Howard County
$10.27
$534
$21,360
1.4
$57,200
$1,430
$17,160
$429
824
20%
$8.30
$431
1.1
1.2
Humboldt County
$10.27
$534
$21,360
1.4
$61,000
$1,525
$18,300
$458
1,028
24%
$10.05
$522
1.0
Ida County
$10.27
$534
$21,360
1.4
$61,200
$1,530
$18,360
$459
762
24%
$12.19
$634
0.8
Iowa County
$10.27
$534
$21,360
1.4
$67,900
$1,698
$20,370
$509
1,472
22%
$9.63
$501
1.1
Jackson County
$10.27
$534
$21,360
1.4
$57,500
$1,438
$17,250
$431
1,814
22%
$8.78
$457
1.2
Jasper County
$11.62
$604
$24,160
1.6
$61,900
$1,548
$18,570
$464
3,994
27%
$9.79
$509
1.2
Jefferson County
$11.50
$598
$23,920
1.6
$58,100
$1,453
$17,430
$436
1,883
28%
$9.09
$472
1.3
Johnson County
$14.19
$738
$29,520
2.0
$80,300
$2,008
$24,090
$602
20,227
40%
$7.72
$401
1.8
Jones County
$10.44
$543
$21,720
1.4
$63,200
$1,580
$18,960
$474
1,687
21%
$10.04
$522
1.0
Keokuk County
$10.27
$534
$21,360
1.4
$55,900
$1,398
$16,770
$419
908
20%
$9.11
$474
1.1
Kossuth County
$10.27
$534
$21,360
1.4
$62,800
$1,570
$18,840
$471
1,186
18%
$9.42
$490
1.1
Lee County
$10.63
$553
$22,120
1.5
$52,600
$1,315
$15,780
$395
3,692
26%
$8.85
$460
1.2
Linn County
$12.33
$641
$25,640
1.7
$71,000
$1,775
$21,300
$533
23,175
27%
$11.85
$616
1.0
Louisa County
$11.46
$596
$23,840
1.6
$56,500
$1,413
$16,950
$424
853
20%
$10.68
$555
1.1
Lucas County
$10.27
$534
$21,360
1.4
$61,000
$1,525
$18,300
$458
899
25%
$6.32
$329
1.6
Lyon County
$10.27
$534
$21,360
1.4
$64,000
$1,600
$19,200
$480
789
18%
$9.12
$474
1.1
Madison County
$14.06
$731
$29,240
1.9
$75,500
$1,888
$22,650
$566
1,067
19%
$7.23
$376
1.9
Mahaska County
$10.38
$540
$21,600
1.4
$60,000
$1,500
$18,000
$450
2,235
25%
$7.78
$405
1.3
Marion County
$12.35
$642
$25,680
1.7
$69,300
$1,733
$20,790
$520
2,979
24%
$10.35
$538
1.2
Marshall County
$11.52
$599
$23,960
1.6
$58,500
$1,463
$17,550
$439
3,887
25%
$11.73
$610
1.0
Mills County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
979
18%
$7.37
$383
2.0
Mitchell County
$10.27
$534
$21,360
1.4
$67,300
$1,683
$20,190
$505
725
17%
$8.71
$453
1.2
Monona County
$10.27
$534
$21,360
1.4
$52,300
$1,308
$15,690
$392
1,197
29%
$9.09
$472
1.1
Monroe County
$10.73
$558
$22,320
1.5
$51,600
$1,290
$15,480
$387
736
22%
$10.24
$532
1.0
Montgomery County
$11.38
$592
$23,680
1.6
$53,100
$1,328
$15,930
$398
1,158
26%
$8.83
$459
1.3
Muscatine County
$12.00
$624
$24,960
1.7
$64,700
$1,618
$19,410
$485
3,671
22%
$10.96
$570
1.1
O'Brien County
$10.27
$534
$21,360
1.4
$60,100
$1,503
$18,030
$451
1,389
23%
$7.83
$407
1.3
Osceola County
$10.27
$534
$21,360
1.4
$60,300
$1,508
$18,090
$452
665
24%
$11.38
$592
0.9
Page County
$10.27
$534
$21,360
1.4
$56,300
$1,408
$16,890
$422
1,663
26%
$8.05
$419
1.3
Palo Alto County
$10.27
$534
$21,360
1.4
$58,900
$1,473
$17,670
$442
1,010
25%
$8.52
$443
1.2
75
Iowa
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Plymouth County
$11.23
$584
$23,360
1.5
$70,000
$1,750
$21,000
$525
1,880
19%
$9.82
$511
Pocahontas County
$10.27
$534
$21,360
1.4
$60,300
$1,508
$18,090
$452
655
20%
$9.11
$474
1.1
1.1
Polk County
$14.06
$731
$29,240
1.9
$75,500
$1,888
$22,650
$566
49,222
29%
$12.71
$661
1.1
Pottawattamie County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
10,434
29%
$9.16
$477
1.6
Poweshiek County
$10.92
$568
$22,720
1.5
$67,500
$1,688
$20,250
$506
1,669
22%
$8.00
$416
1.4
Ringgold County
$10.42
$542
$21,680
1.4
$54,900
$1,373
$16,470
$412
430
21%
$10.38
$540
1.0
Sac County
$10.27
$534
$21,360
1.4
$55,200
$1,380
$16,560
$414
870
19%
$8.88
$462
1.2
Scott County
$12.62
$656
$26,240
1.7
$65,000
$1,625
$19,500
$488
19,655
30%
$10.24
$533
1.2
Shelby County
$10.27
$534
$21,360
1.4
$55,800
$1,395
$16,740
$419
1,124
22%
$6.93
$361
1.5
Sioux County
$10.27
$534
$21,360
1.4
$63,100
$1,578
$18,930
$473
2,149
19%
$8.73
$454
1.2
Story County
$13.96
$726
$29,040
1.9
$78,500
$1,963
$23,550
$589
15,484
45%
$9.40
$489
1.5
Tama County
$10.71
$557
$22,280
1.5
$58,200
$1,455
$17,460
$437
1,557
22%
$9.60
$499
1.1
Taylor County
$10.27
$534
$21,360
1.4
$49,900
$1,248
$14,970
$374
525
20%
$8.67
$451
1.2
Union County
$11.25
$585
$23,400
1.6
$56,700
$1,418
$17,010
$425
1,497
28%
$6.50
$338
1.7
Van Buren County
$10.27
$534
$21,360
1.4
$55,700
$1,393
$16,710
$418
671
22%
$9.63
$501
1.1
Wapello County
$12.00
$624
$24,960
1.7
$51,400
$1,285
$15,420
$386
3,468
23%
$10.63
$553
1.1
Warren County
$14.06
$731
$29,240
1.9
$75,500
$1,888
$22,650
$566
3,551
21%
$7.83
$407
1.8
Washington County
$10.90
$567
$22,680
1.5
$64,400
$1,610
$19,320
$483
2,017
23%
$7.60
$395
1.4
Wayne County
$10.27
$534
$21,360
1.4
$47,400
$1,185
$14,220
$356
570
21%
$8.54
$444
1.2
Webster County
$10.27
$534
$21,360
1.4
$57,500
$1,438
$17,250
$431
4,977
31%
$9.68
$503
1.1
Winnebago County
$10.27
$534
$21,360
1.4
$58,400
$1,460
$17,520
$438
1,193
25%
$8.54
$444
1.2
Winneshiek County
$10.27
$534
$21,360
1.4
$64,000
$1,600
$19,200
$480
1,926
24%
$9.11
$474
1.1
Woodbury County
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
12,163
31%
$9.58
$498
1.3
Worth County
$10.27
$534
$21,360
1.4
$61,800
$1,545
$18,540
$464
653
20%
$8.00
$416
1.3
Wright County
$10.27
$534
$21,360
1.4
$54,700
$1,368
$16,410
$410
1,417
26%
$10.22
$531
1.0
76
Kansas
In Kansas, the Fair Market Rent (FMR) for a two-bedroom apartment is $660. In order to afford this level of rent and
$12.70
In Kansas, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Kansas, the estimated mean (average) wage for a renter is $11.44. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$660
Two-Bedroom FMR
$1,598
$65
$181
Minimum Wage Earner
$283
SSI Recipient
$451
$595
$479
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
77
Kansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Kansas
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.70
$660
$26,415
1.8
$63,925
$1,598
$19,178
$479
336,623
31%
$11.44
$595
1.1
$11.02
$573
$22,911
1.5
$54,753
$1,369
$16,426
$411
98,505
27%
$9.75
$507
1.1
$14.04
$730
$29,200
1.9
$63,000
$1,575
$18,900
$473
2,847
28%
$9.32
$485
1.5
Kansas City HMFA
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
91,048
29%
$13.41
$697
1.1
Lawrence MSA
$14.12
$734
$29,360
1.9
$71,500
$1,788
$21,450
$536
19,956
46%
$8.08
$420
1.7
Manhattan MSA
$12.94
$673
$26,920
1.8
$59,800
$1,495
$17,940
$449
21,153
48%
$10.07
$524
1.3
St. Joseph MSA
$11.65
$606
$24,240
1.6
$56,400
$1,410
$16,920
$423
775
25%
$13.02
$677
0.9
Sumner County HMFA
$10.71
$557
$22,280
1.5
$65,200
$1,630
$19,560
$489
2,101
23%
$6.63
$345
1.6
Topeka MSA
$12.48
$649
$25,960
1.7
$64,200
$1,605
$19,260
$482
28,352
30%
$10.52
$547
1.2
Wichita HMFA
$12.37
$643
$25,720
1.7
$65,000
$1,625
$19,500
$488
71,886
32%
$11.75
$611
1.1
Allen County
$10.38
$540
$21,600
1.4
$51,900
$1,298
$15,570
$389
1,225
22%
$8.03
$418
1.3
Anderson County
$12.38
$644
$25,760
1.7
$48,100
$1,203
$14,430
$361
513
16%
$7.44
$387
1.7
Atchison County
$10.38
$540
$21,600
1.4
$58,400
$1,460
$17,520
$438
2,093
34%
$9.42
$490
1.1
Barber County
$10.38
$540
$21,600
1.4
$52,000
$1,300
$15,600
$390
664
29%
$9.01
$468
1.2
Barton County
$10.38
$540
$21,600
1.4
$53,900
$1,348
$16,170
$404
2,968
26%
$11.63
$605
0.9
Bourbon County
$11.15
$580
$23,200
1.5
$50,700
$1,268
$15,210
$380
1,478
25%
$9.56
$497
1.2
Brown County
$10.38
$540
$21,600
1.4
$49,700
$1,243
$14,910
$373
1,226
30%
$8.78
$457
1.2
Butler County
$12.37
$643
$25,720
1.7
$65,000
$1,625
$19,500
$488
5,317
22%
$9.82
$510
1.3
Chase County
$10.38
$540
$21,600
1.4
$58,100
$1,453
$17,430
$436
215
18%
$6.10
$317
1.7
Chautauqua County
$10.38
$540
$21,600
1.4
$49,700
$1,243
$14,910
$373
333
21%
$7.50
$390
1.4
Cherokee County
$10.38
$540
$21,600
1.4
$47,800
$1,195
$14,340
$359
1,756
21%
$10.00
$520
1.0
Cheyenne County
$10.38
$540
$21,600
1.4
$51,000
$1,275
$15,300
$383
313
25%
$9.46
$492
1.1
Clark County
$10.38
$540
$21,600
1.4
$58,500
$1,463
$17,550
$439
252
26%
$9.00
$468
1.2
Clay County
$12.15
$632
$25,280
1.7
$58,600
$1,465
$17,580
$440
949
27%
$9.73
$506
1.2
Cloud County
$10.38
$540
$21,600
1.4
$48,700
$1,218
$14,610
$365
872
22%
$7.74
$402
1.3
Coffey County
$10.38
$540
$21,600
1.4
$59,700
$1,493
$17,910
$448
794
23%
$14.44
$751
0.7
Comanche County
$10.38
$540
$21,600
1.4
$53,000
$1,325
$15,900
$398
142
17%
$7.03
$365
1.5
Metropolitan Areas
Counties
78
Kansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Cowley County
$11.35
$590
$23,600
1.6
$53,600
$1,340
$16,080
$402
3,774
28%
$9.66
$502
1.2
Crawford County
$11.48
$597
$23,880
1.6
$50,400
$1,260
$15,120
$378
5,428
35%
$8.39
$436
1.4
Decatur County
$10.38
$540
$21,600
1.4
$47,200
$1,180
$14,160
$354
414
27%
$6.14
$319
1.7
Dickinson County
$10.38
$540
$21,600
1.4
$60,100
$1,503
$18,030
$451
1,974
26%
$8.40
$437
1.2
Doniphan County
$11.65
$606
$24,240
1.6
$56,400
$1,410
$16,920
$423
775
25%
$13.02
$677
0.9
Douglas County
$14.12
$734
$29,360
1.9
$71,500
$1,788
$21,450
$536
19,956
46%
$8.08
$420
1.7
Edwards County
$10.38
$540
$21,600
1.4
$54,600
$1,365
$16,380
$410
344
25%
$11.12
$578
0.9
Elk County
$10.38
$540
$21,600
1.4
$41,500
$1,038
$12,450
$311
255
19%
$6.21
$323
1.7
Ellis County
$11.42
$594
$23,760
1.6
$62,100
$1,553
$18,630
$466
4,332
37%
$8.25
$429
1.4
Ellsworth County
$10.38
$540
$21,600
1.4
$58,800
$1,470
$17,640
$441
554
22%
$11.07
$576
0.9
Finney County
$11.67
$607
$24,280
1.6
$58,700
$1,468
$17,610
$440
3,379
28%
$10.85
$564
1.1
Ford County
$11.87
$617
$24,680
1.6
$52,900
$1,323
$15,870
$397
3,494
32%
$10.73
$558
1.1
Franklin County
$14.04
$730
$29,200
1.9
$63,000
$1,575
$18,900
$473
2,847
28%
$9.32
$485
1.5
Geary County
$12.94
$673
$26,920
1.8
$59,800
$1,495
$17,940
$449
5,702
50%
$12.70
$660
1.0
Gove County
$10.38
$540
$21,600
1.4
$49,200
$1,230
$14,760
$369
222
19%
$8.42
$438
1.2
Graham County
$10.38
$540
$21,600
1.4
$65,000
$1,625
$19,500
$488
226
20%
$7.28
$379
1.4
Grant County
$10.38
$540
$21,600
1.4
$65,900
$1,648
$19,770
$494
732
27%
$11.06
$575
0.9
Gray County
$10.38
$540
$21,600
1.4
$59,900
$1,498
$17,970
$449
505
25%
$12.79
$665
0.8
Greeley County
$13.37
$695
$27,800
1.8
$60,600
$1,515
$18,180
$455
133
26%
$15.15
$788
0.9
Greenwood County
$10.38
$540
$21,600
1.4
$51,500
$1,288
$15,450
$386
801
27%
$9.76
$507
1.1
Hamilton County
$11.10
$577
$23,080
1.5
$37,200
$930
$11,160
$279
290
26%
$10.24
$532
1.1
Harper County
$10.38
$540
$21,600
1.4
$49,300
$1,233
$14,790
$370
776
29%
$8.85
$460
1.2
Harvey County
$12.37
$643
$25,720
1.7
$65,000
$1,625
$19,500
$488
3,447
26%
$8.92
$464
1.4
Haskell County
$11.23
$584
$23,360
1.5
$66,100
$1,653
$19,830
$496
331
24%
$14.23
$740
0.8
Hodgeman County
$10.38
$540
$21,600
1.4
$50,200
$1,255
$15,060
$377
151
19%
$7.80
$405
1.3
Jackson County
$12.48
$649
$25,960
1.7
$64,200
$1,605
$19,260
$482
1,134
22%
$8.42
$438
1.5
Jefferson County
$12.48
$649
$25,960
1.7
$64,200
$1,605
$19,260
$482
1,115
15%
$9.38
$488
1.3
Jewell County
$10.38
$540
$21,600
1.4
$52,300
$1,308
$15,690
$392
344
24%
$12.13
$631
0.9
Johnson County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
59,044
28%
$13.73
$714
1.1
Kearny County
$10.38
$540
$21,600
1.4
$46,900
$1,173
$14,070
$352
371
26%
$14.83
$771
0.7
Kingman County
$10.38
$540
$21,600
1.4
$59,300
$1,483
$17,790
$445
730
21%
$12.60
$655
0.8
79
Kansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Kiowa County
$10.38
$540
$21,600
1.4
$46,500
$1,163
$13,950
$349
266
27%
$11.24
$585
Labette County
$10.38
$540
$21,600
1.4
$51,600
$1,290
$15,480
$387
2,548
28%
$7.93
$412
0.9
1.3
Lane County
$12.38
$644
$25,760
1.7
$51,400
$1,285
$15,420
$386
201
27%
$16.55
$860
0.7
Leavenworth County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
7,897
31%
$10.17
$529
1.4
Lincoln County
$10.38
$540
$21,600
1.4
$56,100
$1,403
$16,830
$421
273
19%
$7.58
$394
1.4
Linn County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
651
15%
$11.92
$620
1.2
Logan County
$10.38
$540
$21,600
1.4
$52,400
$1,310
$15,720
$393
316
24%
$4.82
$251
2.2
Lyon County
$11.35
$590
$23,600
1.6
$50,000
$1,250
$15,000
$375
5,566
40%
$8.52
$443
1.3
Marion County
$10.38
$540
$21,600
1.4
$57,600
$1,440
$17,280
$432
826
16%
$7.40
$385
1.4
Marshall County
$10.38
$540
$21,600
1.4
$59,200
$1,480
$17,760
$444
1,022
24%
$11.30
$588
0.9
McPherson County
$11.46
$596
$23,840
1.6
$68,500
$1,713
$20,550
$514
2,790
24%
$10.98
$571
1.0
Meade County
$11.21
$583
$23,320
1.5
$55,100
$1,378
$16,530
$413
385
22%
$13.21
$687
0.8
Miami County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
2,400
20%
$8.28
$431
1.8
Mitchell County
$10.38
$540
$21,600
1.4
$58,000
$1,450
$17,400
$435
648
24%
$8.13
$423
1.3
Montgomery County
$10.38
$540
$21,600
1.4
$53,500
$1,338
$16,050
$401
4,105
28%
$8.69
$452
1.2
Morris County
$10.38
$540
$21,600
1.4
$54,600
$1,365
$16,380
$410
584
22%
$7.52
$391
1.4
Morton County
$11.85
$616
$24,640
1.6
$51,700
$1,293
$15,510
$388
367
29%
$13.39
$696
0.9
Nemaha County
$10.38
$540
$21,600
1.4
$58,700
$1,468
$17,610
$440
828
21%
$7.63
$397
1.4
Neosho County
$10.38
$540
$21,600
1.4
$50,700
$1,268
$15,210
$380
1,536
23%
$9.66
$502
1.1
Ness County
$10.38
$540
$21,600
1.4
$56,300
$1,408
$16,890
$422
238
17%
$14.27
$742
0.7
Norton County
$10.38
$540
$21,600
1.4
$54,500
$1,363
$16,350
$409
711
32%
$11.69
$608
0.9
Osage County
$12.48
$649
$25,960
1.7
$64,200
$1,605
$19,260
$482
1,414
21%
$5.88
$306
2.1
Osborne County
$10.38
$540
$21,600
1.4
$48,200
$1,205
$14,460
$362
374
22%
$9.74
$507
1.1
Ottawa County
$10.38
$540
$21,600
1.4
$63,300
$1,583
$18,990
$475
420
18%
$9.28
$483
1.1
Pawnee County
$10.46
$544
$21,760
1.4
$48,900
$1,223
$14,670
$367
733
29%
$10.17
$529
1.0
Phillips County
$10.38
$540
$21,600
1.4
$56,700
$1,418
$17,010
$425
471
20%
$9.68
$503
1.1
Pottawatomie County
$12.94
$673
$26,920
1.8
$59,800
$1,495
$17,940
$449
1,479
19%
$10.28
$534
1.3
Pratt County
$11.92
$620
$24,800
1.6
$58,600
$1,465
$17,580
$440
1,179
30%
$9.61
$500
1.2
Rawlins County
$10.38
$540
$21,600
1.4
$51,000
$1,275
$15,300
$383
303
26%
$11.22
$583
0.9
Reno County
$11.44
$595
$23,800
1.6
$52,200
$1,305
$15,660
$392
7,352
28%
$9.94
$517
1.2
Republic County
$10.38
$540
$21,600
1.4
$51,100
$1,278
$15,330
$383
449
19%
$9.80
$509
1.1
80
Kansas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Rice County
$10.38
$540
$21,600
1.4
$53,500
$1,338
$16,050
$401
981
24%
$8.28
$431
Riley County
$12.94
$673
$26,920
1.8
$59,800
$1,495
$17,940
$449
13,972
56%
$8.90
$463
1.3
1.5
Rooks County
$10.38
$540
$21,600
1.4
$51,100
$1,278
$15,330
$383
537
22%
$10.58
$550
1.0
Rush County
$10.38
$540
$21,600
1.4
$50,000
$1,250
$15,000
$375
323
20%
$12.52
$651
0.8
Russell County
$10.38
$540
$21,600
1.4
$56,500
$1,413
$16,950
$424
802
25%
$9.50
$494
1.1
Saline County
$11.52
$599
$23,960
1.6
$60,100
$1,503
$18,030
$451
7,059
32%
$9.57
$497
1.2
Scott County
$10.38
$540
$21,600
1.4
$68,200
$1,705
$20,460
$512
388
18%
$14.01
$729
0.7
Sedgwick County
$12.37
$643
$25,720
1.7
$65,000
$1,625
$19,500
$488
63,122
33%
$12.01
$625
1.0
Seward County
$12.17
$633
$25,320
1.7
$48,000
$1,200
$14,400
$360
2,660
36%
$11.69
$608
1.0
Shawnee County
$12.48
$649
$25,960
1.7
$64,200
$1,605
$19,260
$482
24,228
33%
$10.81
$562
1.2
Sheridan County
$10.58
$550
$22,000
1.5
$54,700
$1,368
$16,410
$410
246
22%
$8.86
$461
1.2
Sherman County
$10.38
$540
$21,600
1.4
$56,200
$1,405
$16,860
$422
721
28%
$8.64
$449
1.2
Smith County
$10.38
$540
$21,600
1.4
$50,300
$1,258
$15,090
$377
346
19%
$7.37
$383
1.4
Stafford County
$10.38
$540
$21,600
1.4
$51,400
$1,285
$15,420
$386
356
19%
$10.30
$535
1.0
Stanton County
$10.38
$540
$21,600
1.4
$52,400
$1,310
$15,720
$393
184
25%
$13.84
$720
0.8
Stevens County
$12.48
$649
$25,960
1.7
$56,500
$1,413
$16,950
$424
640
31%
$9.55
$497
1.3
Sumner County
$10.71
$557
$22,280
1.5
$65,200
$1,630
$19,560
$489
2,101
23%
$6.63
$345
1.6
Thomas County
$10.38
$540
$21,600
1.4
$65,100
$1,628
$19,530
$488
1,060
35%
$7.71
$401
1.3
Trego County
$10.38
$540
$21,600
1.4
$52,300
$1,308
$15,690
$392
226
18%
$11.69
$608
0.9
Wabaunsee County
$12.48
$649
$25,960
1.7
$64,200
$1,605
$19,260
$482
461
17%
$6.10
$317
2.0
Wallace County
$10.67
$555
$22,200
1.5
$54,400
$1,360
$16,320
$408
97
17%
$11.39
$592
0.9
Washington County
$10.38
$540
$21,600
1.4
$55,900
$1,398
$16,770
$419
530
21%
$9.11
$474
1.1
Wichita County
$12.35
$642
$25,680
1.7
$50,900
$1,273
$15,270
$382
171
20%
$10.95
$569
1.1
Wilson County
$10.38
$540
$21,600
1.4
$48,400
$1,210
$14,520
$363
922
24%
$9.34
$486
1.1
Woodson County
$10.38
$540
$21,600
1.4
$48,000
$1,200
$14,400
$360
412
26%
$9.38
$488
1.1
Wyandotte County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
21,056
37%
$13.21
$687
1.1
81
Kentucky
In Kentucky, the Fair Market Rent (FMR) for a two-bedroom apartment is $616. In order to afford this level of rent
Wage of:
$11.85
In Kentucky, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Kentucky, the estimated mean (average) wage for a renter is $10.76. In order to afford the FMR for a two-bedroom
FMR affordable.
$616
Two-Bedroom FMR
$1,404
$56
$195
Minimum Wage Earner
$239
SSI Recipient
$407
$560
$421
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
Gap between Rent

Affordable and
FMR
$1,500
82
Kentucky
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Kentucky
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$11.85
$616
$24,648
1.6
$56,155
$1,404
$16,846
$421
505,102
30%
$10.76
$560
1.1
$9.93
$517
$20,665
1.4
$45,757
$1,144
$13,727
$343
186,731
27%
$9.24
$481
1.1
Bowling Green MSA
$12.54
$652
$26,080
1.7
$57,400
$1,435
$17,220
$431
17,125
37%
$10.01
$520
1.3
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
41,393
28%
$11.24
$585
1.2
Clarksville HMFA
$13.12
$682
$27,280
1.8
$54,200
$1,355
$16,260
$407
12,585
39%
$13.01
$676
1.0
Elizabethtown MSA
$11.06
$575
$23,000
1.5
$57,100
$1,428
$17,130
$428
13,904
33%
$10.91
$567
1.0
Evansville HMFA
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
6,975
30%
$9.91
$515
1.3
Grant County HMFA
$12.87
$669
$26,760
1.8
$48,500
$1,213
$14,550
$364
2,637
30%
$9.43
$490
1.4
Huntington-Ashland MSA
$11.52
$599
$23,960
1.6
$50,300
$1,258
$15,090
$377
8,896
26%
$10.43
$542
1.1
Lexington-Fayette MSA
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
74,372
39%
$11.00
$572
1.2
Louisville HMFA
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
117,040
32%
$12.39
$644
1.1
Meade County HMFA
$11.87
$617
$24,680
1.6
$51,000
$1,275
$15,300
$383
2,832
28%
$14.49
$754
0.8
Nelson County HMFA
$10.63
$553
$22,120
1.5
$57,400
$1,435
$17,220
$431
3,736
23%
$9.68
$503
1.1
Owensboro MSA
$11.71
$609
$24,360
1.6
$57,300
$1,433
$17,190
$430
12,895
29%
$9.37
$487
1.2
Shelby County HMFA
$13.31
$692
$27,680
1.8
$71,100
$1,778
$21,330
$533
3,981
26%
$9.56
$497
1.4
Adair County
$9.44
$491
$19,640
1.3
$40,600
$1,015
$12,180
$305
1,834
25%
$7.09
$369
1.3
Allen County
$9.44
$491
$19,640
1.3
$46,600
$1,165
$13,980
$350
1,968
25%
$9.49
$493
1.0
Anderson County
$12.37
$643
$25,720
1.7
$64,200
$1,605
$19,260
$482
1,974
24%
$8.69
$452
1.4
Ballard County
$10.62
$552
$22,080
1.5
$50,300
$1,258
$15,090
$377
563
17%
$11.64
$605
0.9
Barren County
$10.06
$523
$20,920
1.4
$49,900
$1,248
$14,970
$374
4,974
30%
$8.80
$458
1.1
Bath County
$9.44
$491
$19,640
1.3
$38,500
$963
$11,550
$289
840
19%
$5.16
$268
1.8
Bell County
$9.44
$491
$19,640
1.3
$33,200
$830
$9,960
$249
3,421
31%
$8.00
$416
1.2
Boone County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
9,835
24%
$11.14
$579
1.2
Bourbon County
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
3,138
39%
$10.68
$555
1.2
Boyd County
$11.52
$599
$23,960
1.6
$50,300
$1,258
$15,090
$377
6,026
31%
$10.83
$563
1.1
Boyle County
$10.92
$568
$22,720
1.5
$52,400
$1,310
$15,720
$393
3,343
31%
$9.44
$491
1.2
Bracken County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
680
21%
$8.72
$453
1.6
Metropolitan Areas
Counties
83
Kentucky
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Breathitt County
$9.44
$491
$19,640
1.3
$31,500
$788
$9,450
$236
1,487
28%
$11.85
$616
0.8
Breckinridge County
$9.44
$491
$19,640
1.3
$48,400
$1,210
$14,520
$363
1,539
21%
$8.54
$444
1.1
Bullitt County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
5,089
19%
$8.93
$464
1.5
Butler County
$9.44
$491
$19,640
1.3
$44,400
$1,110
$13,320
$333
1,065
21%
$6.04
$314
1.6
Caldwell County
$9.46
$492
$19,680
1.3
$51,500
$1,288
$15,450
$386
1,224
23%
$10.14
$527
0.9
Calloway County
$10.87
$565
$22,600
1.5
$55,600
$1,390
$16,680
$417
4,697
32%
$6.53
$340
1.7
Campbell County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
9,784
28%
$8.24
$429
1.7
Carlisle County
$9.77
$508
$20,320
1.3
$44,100
$1,103
$13,230
$331
329
16%
$8.34
$434
1.2
Carroll County
$9.88
$514
$20,560
1.4
$50,200
$1,255
$15,060
$377
1,464
35%
$12.09
$628
0.8
Carter County
$9.44
$491
$19,640
1.3
$43,500
$1,088
$13,050
$326
2,340
22%
$7.77
$404
1.2
Casey County
$9.44
$491
$19,640
1.3
$37,700
$943
$11,310
$283
896
15%
$7.74
$402
1.2
Christian County
$13.12
$682
$27,280
1.8
$54,200
$1,355
$16,260
$407
11,274
43%
$13.72
$714
1.0
Clark County
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
5,055
35%
$9.13
$475
1.4
Clay County
$9.44
$491
$19,640
1.3
$30,500
$763
$9,150
$229
1,387
21%
$9.99
$519
0.9
Clinton County
$9.44
$491
$19,640
1.3
$34,700
$868
$10,410
$260
1,046
25%
$7.46
$388
1.3
Crittenden County
$9.44
$491
$19,640
1.3
$48,900
$1,223
$14,670
$367
790
21%
$7.40
$385
1.3
Cumberland County
$9.44
$491
$19,640
1.3
$35,300
$883
$10,590
$265
569
21%
$6.68
$347
1.4
Daviess County
$11.71
$609
$24,360
1.6
$57,300
$1,433
$17,190
$430
11,444
30%
$8.95
$465
1.3
Edmonson County
$12.54
$652
$26,080
1.7
$57,400
$1,435
$17,220
$431
1,179
25%
$6.59
$343
1.9
1.6
Elliott County
$9.44
$491
$19,640
1.3
$36,600
$915
$10,980
$275
512
20%
$5.90
$307
Estill County
$10.21
$531
$21,240
1.4
$40,200
$1,005
$12,060
$302
1,441
26%
$6.44
$335
1.6
Fayette County
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
52,146
43%
$11.08
$576
1.1
Fleming County
$9.44
$491
$19,640
1.3
$46,500
$1,163
$13,950
$349
1,230
22%
$8.26
$429
1.1
Floyd County
$9.44
$491
$19,640
1.3
$35,300
$883
$10,590
$265
4,357
28%
$10.49
$545
0.9
$11.71
$609
$24,360
1.6
$66,800
$1,670
$20,040
$501
7,372
35%
$9.47
$493
1.2
Fulton County
$9.44
$491
$19,640
1.3
$37,300
$933
$11,190
$280
1,052
36%
$7.65
$398
1.2
Gallatin County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
791
27%
$9.66
$502
1.4
Garrard County
$10.15
$528
$21,120
1.4
$49,300
$1,233
$14,790
$370
1,446
23%
$7.24
$376
1.4
Grant County
$12.87
$669
$26,760
1.8
$48,500
$1,213
$14,550
$364
2,637
30%
$9.43
$490
1.4
Graves County
$9.60
$499
$19,960
1.3
$47,400
$1,185
$14,220
$356
3,484
24%
$9.18
$477
1.0
Grayson County
$9.44
$491
$19,640
1.3
$44,800
$1,120
$13,440
$336
2,313
23%
$8.20
$426
1.2
Franklin County
84
Kentucky
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$9.44
$491
$19,640
1.3
$51,700
$1,293
$15,510
$388
1,130
25%
$5.24
$273
Greenup County
$11.52
$599
$23,960
1.6
$50,300
$1,258
$15,090
$377
2,870
20%
$8.89
$462
1.3
Hancock County
$11.71
$609
$24,360
1.6
$57,300
$1,433
$17,190
$430
557
17%
$13.75
$715
0.9
Hardin County
$11.06
$575
$23,000
1.5
$57,100
$1,428
$17,130
$428
12,776
34%
$11.22
$583
1.0
Harlan County
$9.44
$491
$19,640
1.3
$35,100
$878
$10,530
$263
3,096
29%
$13.93
$725
0.7
$10.06
$523
$20,920
1.4
$53,200
$1,330
$15,960
$399
2,317
32%
$7.69
$400
1.3
$9.44
$491
$19,640
1.3
$42,200
$1,055
$12,660
$317
1,749
25%
$6.47
$337
1.5
Henderson County
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
5,991
32%
$9.87
$513
1.3
Henry County
1.5
Green County
Harrison County
Hart County
1.8
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
1,577
27%
$8.94
$465
Hickman County
$9.44
$491
$19,640
1.3
$53,500
$1,338
$16,050
$401
402
20%
$7.16
$372
1.3
Hopkins County
$9.52
$495
$19,800
1.3
$51,800
$1,295
$15,540
$389
5,107
28%
$12.57
$654
0.8
Jackson County
$10.31
$536
$21,440
1.4
$33,900
$848
$10,170
$254
1,377
24%
$7.37
$383
1.4
Jefferson County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
106,073
35%
$12.69
$660
1.1
Jessamine County
1.3
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
5,945
34%
$10.07
$524
Johnson County
$9.44
$491
$19,640
1.3
$42,800
$1,070
$12,840
$321
2,569
28%
$9.90
$515
1.0
Kenton County
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
19,045
31%
$12.70
$661
1.1
Knott County
$9.44
$491
$19,640
1.3
$37,900
$948
$11,370
$284
1,512
25%
$10.45
$544
0.9
Knox County
$9.44
$491
$19,640
1.3
$32,600
$815
$9,780
$245
4,187
33%
$9.89
$514
1.0
Larue County
$11.06
$575
$23,000
1.5
$57,100
$1,428
$17,130
$428
1,128
23%
$6.15
$320
1.8
$9.63
$501
$20,040
1.3
$46,100
$1,153
$13,830
$346
5,604
26%
$8.58
$446
1.1
$10.04
$522
$20,880
1.4
$33,400
$835
$10,020
$251
1,655
29%
$10.00
$520
1.0
Laurel County
Lawrence County
$9.44
$491
$19,640
1.3
$27,900
$698
$8,370
$209
701
25%
$5.25
$273
1.8
$11.27
$586
$23,440
1.6
$36,400
$910
$10,920
$273
1,189
27%
$12.01
$625
0.9
Letcher County
$9.44
$491
$19,640
1.3
$40,000
$1,000
$12,000
$300
2,360
25%
$7.74
$403
1.2
Lewis County
$9.44
$491
$19,640
1.3
$35,700
$893
$10,710
$268
790
16%
$6.68
$347
1.4
Lincoln County
$9.44
$491
$19,640
1.3
$43,900
$1,098
$13,170
$329
2,398
24%
$9.99
$519
0.9
Livingston County
$9.44
$491
$19,640
1.3
$49,800
$1,245
$14,940
$374
662
18%
$11.07
$576
0.9
Logan County
$10.73
$558
$22,320
1.5
$51,200
$1,280
$15,360
$384
2,755
26%
$10.53
$547
1.0
Lyon County
$10.06
$523
$20,920
1.4
$48,900
$1,223
$14,670
$367
621
19%
$5.62
$292
1.8
Madison County
$10.35
$538
$21,520
1.4
$55,600
$1,390
$16,680
$417
11,693
38%
$8.65
$450
1.2
Magoffin County
$9.44
$491
$19,640
1.3
$32,200
$805
$9,660
$242
1,020
22%
$6.30
$328
1.5
Lee County
Leslie County
85
Kentucky
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Marion County
$10.13
$527
$21,080
1.4
$54,800
$1,370
$16,440
$411
1,438
20%
$9.35
$486
1.1
Marshall County
$11.04
$574
$22,960
1.5
$52,400
$1,310
$15,720
$393
2,314
18%
$10.25
$533
1.1
Martin County
$9.44
$491
$19,640
1.3
$28,600
$715
$8,580
$215
1,237
29%
$10.84
$564
0.9
Mason County
$9.52
$495
$19,800
1.3
$47,600
$1,190
$14,280
$357
1,943
29%
$8.41
$437
1.1
$10.75
$559
$22,360
1.5
$57,300
$1,433
$17,190
$430
8,482
31%
$9.50
$494
1.1
$9.44
$491
$19,640
1.3
$26,700
$668
$8,010
$200
1,507
24%
$7.60
$395
1.2
McLean County
$11.71
$609
$24,360
1.6
$57,300
$1,433
$17,190
$430
894
24%
$9.59
$499
1.2
Meade County
$11.87
$617
$24,680
1.6
$51,000
$1,275
$15,300
$383
2,832
28%
$14.49
$754
0.8
McCracken County
McCreary County
Menifee County
$9.44
$491
$19,640
1.3
$39,100
$978
$11,730
$293
401
17%
$6.57
$341
1.4
Mercer County
$10.54
$548
$21,920
1.5
$56,000
$1,400
$16,800
$420
2,135
25%
$11.26
$585
0.9
Metcalfe County
$9.44
$491
$19,640
1.3
$42,500
$1,063
$12,750
$319
836
21%
$10.79
$561
0.9
Monroe County
$9.44
$491
$19,640
1.3
$39,400
$985
$11,820
$296
1,041
24%
$6.16
$320
1.5
Montgomery County
$9.44
$491
$19,640
1.3
$51,900
$1,298
$15,570
$389
3,154
31%
$9.10
$473
1.0
Morgan County
$9.44
$491
$19,640
1.3
$42,300
$1,058
$12,690
$317
1,106
25%
$7.27
$378
1.3
Muhlenberg County
$9.44
$491
$19,640
1.3
$44,900
$1,123
$13,470
$337
2,541
21%
$10.24
$533
0.9
1.1
$10.63
$553
$22,120
1.5
$57,400
$1,435
$17,220
$431
3,736
23%
$9.68
$503
Nicholas County
$9.44
$491
$19,640
1.3
$44,400
$1,110
$13,320
$333
645
24%
$5.20
$270
1.8
Ohio County
$9.44
$491
$19,640
1.3
$45,400
$1,135
$13,620
$341
1,957
22%
$10.88
$566
0.9
Oldham County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
2,864
15%
$6.74
$350
2.0
Owen County
$10.48
$545
$21,800
1.4
$55,400
$1,385
$16,620
$416
1,165
25%
$7.27
$378
1.4
$9.44
$491
$19,640
1.3
$26,100
$653
$7,830
$196
309
21%
$7.43
$386
1.3
$13.90
$723
$28,920
1.9
$71,300
$1,783
$21,390
$535
1,258
24%
$11.39
$592
1.2
Perry County
$9.44
$491
$19,640
1.3
$41,800
$1,045
$12,540
$314
2,979
28%
$9.64
$501
1.0
Pike County
$9.44
$491
$19,640
1.3
$43,600
$1,090
$13,080
$327
6,671
25%
$12.53
$652
0.8
Powell County
$9.44
$491
$19,640
1.3
$41,600
$1,040
$12,480
$312
1,414
30%
$5.93
$309
1.6
Pulaski County
$9.65
$502
$20,080
1.3
$42,900
$1,073
$12,870
$322
6,814
26%
$8.21
$427
1.2
Robertson County
$13.37
$695
$27,800
1.8
$53,800
$1,345
$16,140
$404
229
27%
$7.54
$392
1.8
Rockcastle County
$9.44
$491
$19,640
1.3
$37,100
$928
$11,130
$278
1,381
21%
$5.02
$261
1.9
Rowan County
$9.44
$491
$19,640
1.3
$45,000
$1,125
$13,500
$338
2,451
30%
$6.22
$324
1.5
Russell County
$9.44
$491
$19,640
1.3
$41,700
$1,043
$12,510
$313
1,637
22%
$6.51
$339
1.5
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
5,370
31%
$11.84
$616
1.1
Nelson County
Owsley County
Pendleton County
Scott County
86
Kentucky
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Shelby County
$13.31
$692
$27,680
1.8
$71,100
$1,778
$21,330
$533
3,981
26%
$9.56
$497
1.4
Simpson County
$11.37
$591
$23,640
1.6
$51,600
$1,290
$15,480
$387
1,988
30%
$11.74
$611
1.0
Spencer County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
722
12%
$6.67
$347
2.0
Taylor County
$10.35
$538
$21,520
1.4
$46,200
$1,155
$13,860
$347
3,004
31%
$6.71
$349
1.5
Todd County
$9.48
$493
$19,720
1.3
$48,400
$1,210
$14,520
$363
1,283
28%
$8.29
$431
1.1
Trigg County
$13.12
$682
$27,280
1.8
$54,200
$1,355
$16,260
$407
1,311
22%
$6.64
$345
2.0
Trimble County
$13.42
$698
$27,920
1.9
$63,800
$1,595
$19,140
$479
715
21%
$17.38
$904
0.8
$9.44
$491
$19,640
1.3
$55,000
$1,375
$16,500
$413
1,241
22%
$9.76
$508
1.0
Union County
$12.54
$652
$26,080
1.7
$57,400
$1,435
$17,220
$431
15,946
38%
$10.06
$523
1.2
Washington County
$9.44
$491
$19,640
1.3
$51,000
$1,275
$15,300
$383
762
17%
$9.06
$471
1.0
Wayne County
$9.44
$491
$19,640
1.3
$33,700
$843
$10,110
$253
2,309
27%
$7.42
$386
1.3
Webster County
$12.85
$668
$26,720
1.8
$63,800
$1,595
$19,140
$479
984
20%
$10.20
$530
1.3
Whitley County
$9.58
$498
$19,920
1.3
$36,900
$923
$11,070
$277
3,904
30%
$11.07
$576
0.9
Wolfe County
$9.44
$491
$19,640
1.3
$29,400
$735
$8,820
$221
602
24%
$5.26
$274
1.8
$12.73
$662
$26,480
1.8
$67,100
$1,678
$20,130
$503
2,718
27%
$11.86
$617
1.1
Warren County
Woodford County
87
Louisiana
In Louisiana, the Fair Market Rent (FMR) for a two-bedroom apartment is $736. In order to afford this level of rent
Wage of:
$14.15
In Louisiana, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Louisiana, the estimated mean (average) wage for a renter is $12.54. In order to afford the FMR for a two-bedroom
FMR affordable.
$736
Two-Bedroom FMR
$1,418
$84
$311
Minimum Wage Earner
$359
SSI Recipient
$527
$652

$425
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
Gap between Rent

Affordable and
FMR
$1,500
88
Louisiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Louisiana
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$14.15
$736
$29,436
2.0
$56,709
$1,418
$17,013
$425
521,150
32%
$12.54
$652
1.1
$10.41
$541
$21,659
1.4
$47,002
$1,175
$14,101
$353
123,072
30%
$10.26
$533
1.0
Alexandria MSA
$12.62
$656
$26,240
1.7
$52,400
$1,310
$15,720
$393
17,209
31%
$9.53
$495
1.3
Baton Rouge HMFA
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
86,579
31%
$11.68
$607
1.2
Houma-Bayou Cane-Thibodaux MSA
$13.12
$682
$27,280
1.8
$58,400
$1,460
$17,520
$438
17,734
25%
$14.21
$739
0.9
Iberville Parish HMFA
$10.52
$547
$21,880
1.5
$53,000
$1,325
$15,900
$398
2,681
24%
$17.36
$903
0.6
Lafayette MSA
$13.42
$698
$27,920
1.9
$61,200
$1,530
$18,360
$459
33,326
32%
$13.45
$700
1.0
Lake Charles MSA
$13.13
$683
$27,320
1.8
$62,400
$1,560
$18,720
$468
20,560
28%
$12.15
$632
1.1
Metropolitan Areas
Monroe MSA
$12.35
$642
$25,680
1.7
$51,800
$1,295
$15,540
$389
22,297
35%
$9.30
$484
1.3
New Orleans-Metairie-Kenner MSA
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
145,708
35%
$15.10
$785
1.2
Shreveport-Bossier City MSA
$13.75
$715
$28,600
1.9
$55,100
$1,378
$16,530
$413
51,984
35%
$11.15
$580
1.2
Acadia Parish
$9.56
$497
$19,880
1.3
$44,600
$1,115
$13,380
$335
6,646
30%
$8.70
$452
Allen Parish
$9.56
$497
$19,880
1.3
$46,900
$1,173
$14,070
$352
2,345
28%
$9.10
$473
1.1
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
6,830
19%
$11.28
$586
1.3
Assumption Parish
$9.56
$497
$19,880
1.3
$53,500
$1,338
$16,050
$401
1,337
16%
$13.57
$706
0.7
Avoyelles Parish
$9.56
$497
$19,880
1.3
$40,700
$1,018
$12,210
$305
4,824
31%
$8.76
$455
1.1
Beauregard Parish
$9.77
$508
$20,320
1.3
$53,000
$1,325
$15,900
$398
2,875
22%
$12.04
$626
0.8
Counties
Ascension Parish
1.1
$9.56
$497
$19,880
1.3
$44,900
$1,123
$13,470
$337
1,467
26%
$7.77
$404
1.2
Bossier Parish
$13.75
$715
$28,600
1.9
$55,100
$1,378
$16,530
$413
14,065
33%
$10.13
$527
1.4
Caddo Parish
$13.75
$715
$28,600
1.9
$55,100
$1,378
$16,530
$413
35,549
37%
$11.63
$605
1.2
Calcasieu Parish
$13.13
$683
$27,320
1.8
$62,400
$1,560
$18,720
$468
20,146
28%
$12.08
$628
1.1
Caldwell Parish
$9.56
$497
$19,880
1.3
$49,100
$1,228
$14,730
$368
968
27%
$7.65
$398
1.2
Cameron Parish
$13.13
$683
$27,320
1.8
$62,400
$1,560
$18,720
$468
414
16%
$14.55
$756
0.9
Catahoula Parish
$9.56
$497
$19,880
1.3
$41,200
$1,030
$12,360
$309
828
22%
$5.82
$303
1.6
Claiborne Parish
$9.85
$512
$20,480
1.4
$40,300
$1,008
$12,090
$302
1,579
27%
$9.33
$485
1.1
Concordia Parish
$9.56
$497
$19,880
1.3
$35,600
$890
$10,680
$267
2,208
29%
$8.57
$445
1.1
$13.75
$715
$28,600
1.9
$55,100
$1,378
$16,530
$413
2,370
23%
$8.84
$460
1.6
Bienville Parish
De Soto Parish
89
Louisiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
64,002
38%
$12.00
$624
1.2
$9.56
$497
$19,880
1.3
$24,600
$615
$7,380
$185
1,077
44%
$8.95
$465
1.1
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
1,225
18%
$8.59
$447
1.7
Evangeline Parish
$9.56
$497
$19,880
1.3
$44,700
$1,118
$13,410
$335
3,801
31%
$7.67
$399
1.2
Franklin Parish
$9.56
$497
$19,880
1.3
$40,500
$1,013
$12,150
$304
2,148
27%
$5.82
$303
1.6
Grant Parish
$12.62
$656
$26,240
1.7
$52,400
$1,310
$15,720
$393
1,619
22%
$9.06
$471
1.4
Iberia Parish
$10.81
$562
$22,480
1.5
$53,000
$1,325
$15,900
$398
7,838
30%
$13.66
$711
0.8
Iberville Parish
$10.52
$547
$21,880
1.5
$53,000
$1,325
$15,900
$398
2,681
24%
$17.36
$903
0.6
0.8
East Baton Rouge Parish

East Carroll Parish
East Feliciana Parish
$9.56
$497
$19,880
1.3
$51,100
$1,278
$15,330
$383
1,894
32%
$11.87
$617
Jefferson Davis Parish
$10.37
$539
$21,560
1.4
$52,900
$1,323
$15,870
$397
2,826
24%
$8.84
$460
1.2
Jefferson Parish
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
57,426
35%
$14.90
$775
1.2
Jackson Parish
$9.56
$497
$19,880
1.3
$47,500
$1,188
$14,250
$356
819
16%
$11.83
$615
0.8
Lafayette Parish
$13.42
$698
$27,920
1.9
$61,200
$1,530
$18,360
$459
29,457
35%
$13.78
$716
1.0
Lafourche Parish
$13.12
$682
$27,280
1.8
$58,400
$1,460
$17,520
$438
7,840
23%
$12.88
$670
1.0
Lincoln Parish
$11.37
$591
$23,640
1.6
$51,500
$1,288
$15,450
$386
6,740
41%
$7.94
$413
1.4
Livingston Parish
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
8,434
20%
$9.22
$479
1.6
$9.56
$497
$19,880
1.3
$42,200
$1,055
$12,660
$317
1,623
41%
$7.55
$393
1.3
Morehouse Parish
$10.52
$547
$21,880
1.5
$41,000
$1,025
$12,300
$308
2,940
29%
$7.52
$391
1.4
Natchitoches Parish
$10.33
$537
$21,480
1.4
$43,300
$1,083
$12,990
$325
5,731
39%
$7.23
$376
1.4
Orleans Parish
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
59,090
51%
$16.23
$844
1.1
Ouachita Parish
$12.35
$642
$25,680
1.7
$51,800
$1,295
$15,540
$389
20,717
37%
$9.56
$497
1.3
Plaquemines Parish
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
2,207
29%
$21.44
$1,115
0.9
Pointe Coupee Parish
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
1,819
21%
$9.26
$482
1.6
Rapides Parish
$12.62
$656
$26,240
1.7
$52,400
$1,310
$15,720
$393
15,590
32%
$9.54
$496
1.3
Red River Parish
$9.56
$497
$19,880
1.3
$42,100
$1,053
$12,630
$316
686
21%
$7.53
$392
1.3
Richland Parish
$9.56
$497
$19,880
1.3
$42,900
$1,073
$12,870
$322
2,364
32%
$9.74
$506
1.0
Sabine Parish
$9.56
$497
$19,880
1.3
$47,800
$1,195
$14,340
$359
2,081
22%
$6.70
$348
1.4
St. Bernard Parish
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
3,528
34%
$15.69
$816
1.2
St. Charles Parish
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
3,405
18%
$18.66
$970
1.0
St. Helena Parish
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
865
21%
$12.38
$644
1.2
St. James Parish
$9.62
$500
$20,000
1.3
$61,500
$1,538
$18,450
$461
1,205
16%
$17.67
$919
0.5
La Salle Parish
Madison Parish
90
Louisiana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
3,478
22%
$11.64
$605
1.6
St. Landry Parish
$9.56
$497
$19,880
1.3
$42,200
$1,055
$12,660
$317
8,675
29%
$7.50
$390
1.3
St. Martin Parish
$13.42
$698
$27,920
1.9
$61,200
$1,530
$18,360
$459
3,869
20%
$9.45
$491
1.4
St. Mary Parish
$10.52
$547
$21,880
1.5
$47,000
$1,175
$14,100
$353
5,987
30%
$14.78
$769
0.7
St. Tammany Parish
$18.23
$948
$37,920
2.5
$61,900
$1,548
$18,570
$464
16,574
20%
$11.38
$592
1.6
Tangipahoa Parish
$12.13
$631
$25,240
1.7
$51,100
$1,278
$15,330
$383
13,381
31%
$9.44
$491
1.3
$9.56
$497
$19,880
1.3
$40,600
$1,015
$12,180
$305
863
40%
Terrebonne Parish
$13.12
$682
$27,280
1.8
$58,400
$1,460
$17,520
$438
9,894
26%
$15.05
$782
0.9
Union Parish
$12.35
$642
$25,680
1.7
$51,800
$1,295
$15,540
$389
1,580
19%
$5.47
$284
2.3
$9.56
$497
$19,880
1.3
$55,500
$1,388
$16,650
$416
5,296
24%
$12.03
$626
0.8
Vernon Parish
$13.40
$697
$27,880
1.8
$47,300
$1,183
$14,190
$355
7,874
44%
$13.34
$694
1.0
Washington Parish
$10.04
$522
$20,880
1.4
$40,500
$1,013
$12,150
$304
4,429
26%
$8.32
$433
1.2
$9.56
$497
$19,880
1.3
$47,400
$1,185
$14,220
$356
5,379
32%
$10.02
$521
1.0
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
2,215
26%
$10.68
$556
1.4
$9.56
$497
$19,880
1.3
$45,000
$1,125
$13,500
$338
1,067
26%
$7.03
$366
1.4
$14.46
$752
$30,080
2.0
$62,900
$1,573
$18,870
$472
1,189
29%
$16.15
$840
0.9
$9.56
$497
$19,880
1.3
$38,600
$965
$11,580
$290
1,271
23%
$9.00
$468
1.1
St. John the Baptist Parish
Tensas Parish
Vermilion Parish
Webster Parish
West Baton Rouge Parish
West Carroll Parish
West Feliciana Parish
Winn Parish
91
Maine
In Maine, the Fair Market Rent (FMR) for a two-bedroom apartment is $785. In order to afford this level of rent and
$15.10
In Maine, a minimum wage worker earns an hourly wage of $7.50. In order to afford the FMR for a two-bedroom
In Maine, the estimated mean (average) wage for a renter is $9.82. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$785
Two-Bedroom FMR
$1,546
$275
$321
Minimum Wage Earner
$395
SSI Recipient
$576
$510
$464
$390
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
92
Maine
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Maine
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$15.10
$785
$31,413
2.0
$61,859
$1,546
$18,558
$464
148,190
27%
$9.82
$510
1.5
$12.76
$664
$26,546
1.7
$55,086
$1,377
$16,526
$413
55,698
24%
$8.78
$457
1.5
Bangor HMFA
$14.92
$776
$31,040
2.0
$62,800
$1,570
$18,840
$471
13,565
36%
$9.10
$473
1.6
Cumberland County HMFA
$16.62
$864
$34,560
2.2
$67,100
$1,678
$20,130
$503
4,675
24%
$11.37
$591
1.5
Lewiston-Auburn MSA
$13.98
$727
$29,080
1.9
$57,600
$1,440
$17,280
$432
14,117
32%
$9.53
$496
1.5
Penobscot County HMFA
$11.23
$584
$23,360
1.5
$49,600
$1,240
$14,880
$372
4,781
19%
$9.10
$473
1.2
Portland HMFA
$18.94
$985
$39,400
2.5
$73,300
$1,833
$21,990
$550
34,700
32%
$11.28
$587
1.7
Sagadahoc County HMFA
$15.33
$797
$31,880
2.0
$69,900
$1,748
$20,970
$524
3,459
23%
$9.44
$491
1.6
York County HMFA
$15.88
$826
$33,040
2.1
$67,900
$1,698
$20,370
$509
13,523
26%
$9.70
$505
1.6
York-Kittery-South Berwick HMFA
$19.31
$1,004
$40,160
2.6
$77,000
$1,925
$23,100
$578
3,672
21%
$9.70
$505
2.0
Aroostook County
$11.23
$584
$23,360
1.5
$48,600
$1,215
$14,580
$365
8,556
28%
$7.76
$404
1.4
Franklin County
$11.79
$613
$24,520
1.6
$52,300
$1,308
$15,690
$392
3,163
25%
$7.97
$415
1.5
Hancock County
$14.13
$735
$29,400
1.9
$64,500
$1,613
$19,350
$484
5,596
24%
$9.49
$493
1.5
Kennebec County
$13.06
$679
$27,160
1.7
$61,100
$1,528
$18,330
$458
14,025
28%
$9.04
$470
1.4
Knox County
$14.90
$775
$31,000
2.0
$58,300
$1,458
$17,490
$437
3,775
22%
$8.55
$445
1.7
Lincoln County
$15.02
$781
$31,240
2.0
$63,200
$1,580
$18,960
$474
2,204
14%
$10.12
$526
1.5
Oxford County
$12.77
$664
$26,560
1.7
$51,800
$1,295
$15,540
$389
4,861
21%
$9.19
$478
1.4
Piscataquis County
$12.12
$630
$25,200
1.6
$47,700
$1,193
$14,310
$358
1,775
22%
$6.70
$348
1.8
Somerset County
$11.94
$621
$24,840
1.6
$46,800
$1,170
$14,040
$351
5,026
23%
$9.02
$469
1.3
Waldo County
$12.75
$663
$26,520
1.7
$53,300
$1,333
$15,990
$400
3,337
21%
$8.96
$466
1.4
Washington County
$11.75
$611
$24,440
1.6
$46,300
$1,158
$13,890
$347
3,380
24%
$8.23
$428
1.4
Metropolitan Areas
Counties
93
Towns within Maine FMR Areas

Bangor, ME HMFA
Penobscot County
Bangor city, Brewer city, Eddington town, Glenburn town, Hampden
town, Hermon town, Holden town, Kenduskeag town, Milford town,
Old Town city, Orono town, Orrington town, Penobscot Indian Island
Reservation, Veazie town
Cumberland County, ME (part) HMFA
Cumberland County
Baldwin town, Bridgton town, Brunswick town, Harpswell town,
Harrison town, Naples town, New Gloucester town, Pownal town,
Sebago town
Lewiston-Auburn, ME MSA
Androscoggin County
Auburn city, Durham town, Greene town, Leeds town, Lewiston city,
Lisbon town, Livermore Falls town, Livermore town, Mechanic Falls
town, Minot town, Poland town, Sabattus town, Turner town, Wales
town
Penobscot County, ME (part) HMFA
Penobscot County
Alton town, Argyle UT, Bradford town, Bradley town, Burlington town,
Carmel town, Carroll plantation, Charleston town, Chester town, Clifton
town, Corinna town, Corinth town, Dexter town, Dixmont town, Drew
plantation, East Central Penobscot UT, East Millinocket town, Edinburg
town, Enfield town, Etna town, Exeter town, Garland town, Greenbush
town, Howland town, Hudson town, Kingman UT, Lagrange town,
Lakeville town, Lee town, Levant town, Lincoln town, Lowell town,
Mattawamkeag town, Maxfield town, Medway town, Millinocket town,
Mount Chase town, Newburgh town, Newport town, North Penobscot
UT, Passadumkeag town, Patten town, Plymouth town, Prentiss UT,
Seboeis plantation, Springfield town, Stacyville town, Stetson town,
Twombly UT, Webster plantation, Whitney UT, Winn town, Woodville
town
Portland, ME HMFA
Cumberland County
Cape Elizabeth town, Casco town, Cumberland town, Falmouth town,
Freeport town, Frye Island town, Gorham town, Gray town, Long Island
town, North Yarmouth town, Portland city, Raymond town,
Scarborough town, South Portland city, Standish town, Westbrook city,
Windham town, Yarmouth town
York County
Buxton town, Hollis town, Limington town, Old Orchard Beach town
Sagadahoc County, ME HMFA
Sagadahoc County
Arrowsic town, Bath city, Bowdoin town, Bowdoinham town,
Georgetown town, Perkins UT, Phippsburg town, Richmond town,
Topsham town, West Bath town, Woolwich town
York County, ME (part) HMFA
York County
Acton town, Alfred town, Arundel town, Biddeford city, Cornish town,
Dayton town, Kennebunk town, Kennebunkport town, Lebanon town,
Limerick town, Lyman town, Newfield town, North Berwick town,
Ogunquit town, Parsonsfield town, Saco city, Sanford town, Shapleigh
town, Waterboro town, Wells town
York-Kittery-South Berwick, ME HMFA
York County
Berwick town, Eliot town, Kittery town, South Berwick town, York
town
94
Maryland
In Maryland, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,291. In order to afford this level of rent
Wage of:
$24.83
In Maryland, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Maryland, the estimated mean (average) wage for a renter is $15.06. In order to afford the FMR for a two-bedroom
FMR affordable.
$1,291
Two-Bedroom FMR
$2,298
$508
$602
Minimum Wage Earner
$914
$783
$689

$377
Minimum Wage Earner

SSI Recipient
$209
$0
Gap between Rent

Affordable and
FMR
SSI Recipient
$500
$1,000
$1,500
$2,000
$1,082
$2,500
95
Maryland
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Maryland
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$24.83
$1,291
$51,637
3.4
$91,917
$2,298
$27,575
$689
656,885
31%
$15.06
$783
1.6
$17.40
$905
$36,182
2.4
$73,737
$1,843
$22,121
$553
29,921
25%
$10.62
$552
1.6
Baltimore-Towson HMFA *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
325,797
32%
$15.52
$807
1.5
Cumberland MSA
$11.23
$584
$23,360
1.5
$53,000
$1,325
$15,900
$398
8,406
29%
$8.81
$458
1.3
Hagerstown HMFA
$16.19
$842
$33,680
2.2
$67,700
$1,693
$20,310
$508
18,678
34%
$10.91
$568
1.5
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
9,136
25%
$11.18
$582
1.8
Salisbury HMFA
$17.58
$914
$36,560
2.4
$64,400
$1,610
$19,320
$483
12,633
35%
$12.17
$633
1.4
Somerset County HMFA
$14.08
$732
$29,280
1.9
$53,000
$1,325
$15,900
$398
2,747
33%
$10.55
$549
1.3
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
249,567
30%
$15.85
$824
1.8
Metropolitan Areas
Counties
Allegany County
$11.23
$584
$23,360
1.5
$53,000
$1,325
$15,900
$398
8,406
29%
$8.81
$458
1.3
Anne Arundel County *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
47,573
24%
$15.74
$818
1.5
Baltimore city *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
119,737
50%
$18.60
$967
1.3
Baltimore County *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
104,016
33%
$15.22
$791
1.6
Calvert County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
4,559
15%
$8.48
$441
3.4
Caroline County
$16.58
$862
$34,480
2.3
$67,400
$1,685
$20,220
$506
2,866
24%
$8.73
$454
1.9
Carroll County *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
9,558
16%
$7.88
$410
3.0
Cecil County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
9,136
25%
$11.18
$582
1.8
Charles County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
9,444
19%
$9.71
$505
3.0
Dorchester County
$15.02
$781
$31,240
2.1
$57,700
$1,443
$17,310
$433
3,851
29%
$9.04
$470
1.7
Frederick County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
19,343
23%
$12.86
$669
2.3
Garrett County
$11.23
$584
$23,360
1.5
$56,800
$1,420
$17,040
$426
2,761
22%
$7.08
$368
1.6
Harford County *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
16,477
18%
$10.08
$524
2.3
Howard County *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
25,828
25%
$15.95
$829
1.5
Kent County
$16.13
$839
$33,560
2.2
$66,200
$1,655
$19,860
$497
2,185
28%
$8.69
$452
1.9
Montgomery County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
108,362
31%
$17.73
$922
1.6
Prince George's County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
107,859
36%
$15.24
$792
1.9
Queen Anne's County *
$23.67
$1,231
$49,240
3.3
$85,600
$2,140
$25,680
$642
2,608
15%
$7.91
$411
3.0
Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See
Appendix A).
96
Maryland
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Somerset County
$14.08
$732
$29,280
1.9
$53,000
$1,325
$15,900
$398
2,747
33%
$10.55
$549
1.3
St. Mary's County
$20.60
$1,071
$42,840
2.8
$90,600
$2,265
$27,180
$680
9,835
27%
$15.23
$792
1.4
Talbot County
$17.33
$901
$36,040
2.4
$77,400
$1,935
$23,220
$581
3,717
24%
$11.19
$582
1.5
Washington County
$16.19
$842
$33,680
2.2
$67,700
$1,693
$20,310
$508
18,678
34%
$10.91
$568
1.5
Wicomico County
$17.58
$914
$36,560
2.4
$64,400
$1,610
$19,320
$483
12,633
35%
$12.17
$633
1.4
Worcester County
$17.40
$905
$36,200
2.4
$68,600
$1,715
$20,580
$515
4,706
21%
$7.26
$377
2.4
Columbia City is not included due to a lack of sufficient data. * 50th percentile FMR (See
Appendix A).
97
Massachusetts
In Massachusetts, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,142. In order to afford this level of
Wage of:
$21.96
In Massachusetts, a minimum wage worker earns an hourly wage of $8.00. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 110 hours per week, 52 weeks per year. Or a household
FMR affordable.
In Massachusetts, the estimated mean (average) wage for a renter is $16.94. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 52 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$1,142
Two-Bedroom FMR
$2,121
$261
$506
Minimum Wage Earner
$726
SSI Recipient
$894
$881
$636
$416
Minimum Wage Earner

SSI Recipient
$248
$0
$500
$1,000
$1,500
$2,000
$2,500
98
Massachusetts
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Massachusetts
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$21.96
$1,142
$45,675
2.7
$84,859
$2,121
$25,458
$636
900,733
36%
$16.94
$881
1.3
$31.08
$1,616
$64,643
3.9
$90,975
$2,274
$27,292
$682
2,011
22%
$15.34
$797
2.0
Barnstable Town MSA
$17.86
$929
$37,148
2.2
$63,391
$1,585
$19,017
$475
19,284
20%
$10.78
$561
1.7
Berkshire County HMFA
$15.38
$800
$32,000
1.9
$72,400
$1,810
$21,720
$543
5,290
27%
$10.16
$528
1.5
Boston-Cambridge-Quincy HMFA
$25.44
$1,323
$52,911
3.2
$93,183
$2,330
$27,955
$699
510,571
40%
$20.32
$1,057
1.3
Brockton HMFA
$22.08
$1,148
$45,920
2.8
$83,700
$2,093
$25,110
$628
23,281
27%
$10.65
$554
2.1
Eastern Worcester County HMFA
$19.13
$995
$39,800
2.4
$109,100
$2,728
$32,730
$818
6,654
21%
$11.64
$605
1.6
Easton-Raynham HMFA
$23.50
$1,222
$48,880
2.9
$104,400
$2,610
$31,320
$783
2,326
18%
$10.49
$545
2.2
Fitchburg-Leominster HMFA
$16.13
$839
$33,560
2.0
$73,000
$1,825
$21,900
$548
18,104
34%
$11.64
$605
1.4
$16.27
$846
$33,840
2.0
$69,800
$1,745
$20,940
$524
5,060
24%
$10.19
$530
1.6
Lawrence HMFA
$21.10
$1,097
$43,880
2.6
$88,300
$2,208
$26,490
$662
36,318
36%
$12.10
$629
1.7
Lowell HMFA
$21.29
$1,107
$44,280
2.7
$92,900
$2,323
$27,870
$697
29,447
28%
$20.78
$1,080
1.0
New Bedford HMFA
$15.77
$820
$32,800
2.0
$64,400
$1,610
$19,320
$483
26,398
41%
$10.49
$545
1.5
Pittsfield HMFA
$16.06
$835
$33,400
2.0
$69,800
$1,745
$20,940
$524
12,001
34%
$10.16
$528
1.6
Providence-Fall River HMFA
$17.50
$910
$36,400
2.2
$75,600
$1,890
$22,680
$567
35,310
38%
$10.49
$545
1.7
Springfield HMFA
$14.24
$740
$29,619
1.8
$59,657
$1,491
$17,897
$447
85,190
36%
$9.60
$499
1.5
Taunton-Mansfield-Norton HMFA
$19.52
$1,015
$40,600
2.4
$88,600
$2,215
$26,580
$665
11,740
29%
$10.49
$545
1.9
Western Worcester County HMFA
$13.71
$713
$28,520
1.7
$70,200
$1,755
$21,060
$527
2,283
20%
$11.64
$605
1.2
Worcester HMFA
$16.40
$853
$34,115
2.1
$80,912
$2,023
$24,274
$607
69,465
34%
$11.64
$605
1.4
Metropolitan Areas
Counties
Dukes County
$27.83
$1,447
$57,880
3.5
$82,900
$2,073
$24,870
$622
1,045
19%
$14.44
$751
1.9
Nantucket County
$34.60
$1,799
$71,960
4.3
$103,300
$2,583
$30,990
$775
966
27%
$16.48
$857
2.1
99
Towns within Massachusetts FMR Areas

Barnstable Town, MA MSA
Barnstable County
Barnstable Town city, Bourne town, Brewster town, Chatham town, Dennis town,
Eastham town, Falmouth town, Harwich town, Mashpee town, Orleans town,
Provincetown town, Sandwich town, Truro town, Wellfleet town, Yarmouth town
Berkshire County, MA (part) HMFA
Berkshire County
Alford town, Becket town, Clarksburg town, Egremont town, Florida town, Great
Barrington town, Hancock town, Monterey town, Mount Washington town, New
Ashford town, New Marlborough town, North Adams city, Otis town, Peru town,
Sandisfield town, Savoy town, Sheffield town, Tyringham town, Washington town,
West Stockbridge town, Williamstown town, Windsor town
Boston-Cambridge-Quincy, MA-NH HMFA
Essex County
Amesbury town, Beverly city, Danvers town, Essex town, Gloucester city,
Hamilton town, Ipswich town, Lynn city, Lynnfield town, Manchester-by-the-Sea
town, Marblehead town, Middleton town, Nahant town, Newbury town,
Newburyport city, Peabody city, Rockport town, Rowley town, Salem city,
Salisbury town, Saugus town, Swampscott town, Topsfield town, Wenham town
Middlesex County
Acton town, Arlington town, Ashby town, Ashland town, Ayer town, Bedford
town, Belmont town, Boxborough town, Burlington town, Cambridge city, Carlisle
town, Concord town, Everett city, Framingham town, Holliston town, Hopkinton
town, Hudson town, Lexington town, Lincoln town, Littleton town, Malden city,
Marlborough city, Maynard town, Medford city, Melrose city, Natick town,
Newton city, North Reading town, Reading town, Sherborn town, Shirley town,
Somerville city, Stoneham town, Stow town, Sudbury town, Townsend town,
Wakefield town, Waltham city, Watertown city, Wayland town,
Weston town, Wilmington town, Winchester town, Woburn city
Norfolk County
Bellingham town, Braintree town, Brookline town, Canton town, Cohasset town,
Dedham town, Dover town, Foxborough town, Franklin city, Holbrook town,
Medfield town, Medway town, Millis town, Milton town, Needham town, Norfolk
town, Norwood town, Plainville town, Quincy city, Randolph town, Sharon town,
Stoughton town, Walpole town, Wellesley town, Westwood town, Weymouth
town, Wrentham town
Plymouth County
Carver town, Duxbury town, Hanover town, Hingham town, Hull town,
Kingston town, Marshfield town, Norwell town, Pembroke town, Plymouth
town, Rockland town, Scituate town, Wareham town
Suffolk County
Boston city, Chelsea city, Revere city, Winthrop town
Brockton, MA HMFA
Norfolk County
Avon town
Plymouth County
Abington town, Bridgewater town, Brockton city, East Bridgewater town,
Halifax town, Hanson town, Lakeville town, Marion town, Mattapoisett town,
Middleborough town, Plympton town, Rochester town, West Bridgewater town,
Whitman town
Eastern Worcester County, MA HMFA
Worcester County
Berlin town, Blackstone town, Bolton town, Harvard town, Hopedale town,
Lancaster town, Mendon town, Milford town, Millville town, Southborough
town, Upton town
Easton-Raynham, MA HMFA
Bristol County
Easton town, Raynham town
Fitchburg-Leominster, MA HMFA
Worcester County
Ashburnham town, Fitchburg city, Gardner city, Leominster city, Lunenburg
town, Templeton town, Westminster town, Winchendon town
Franklin County, MA (part) HMFA
Franklin County
Ashfield town, Bernardston town, Buckland town, Charlemont town, Colrain
town, Conway town, Deerfield town, Erving town, Gill town, Greenfield town,
Hawley town, Heath town, Leverett town, Leyden town, Monroe town, Montague
town, New Salem town, Northfield town, Orange town, Rowe town, Shelburne
town, Shutesbury town, Warwick town, Wendell town, Whately town
100
Lawrence, MA-NH HMFA

Essex County
Andover town, Boxford town, Georgetown town, Groveland town, Haverhill
city, Lawrence city, Merrimac town, Methuen city, North Andover town, West
Newbury town
Lowell, MA HMFA
Middlesex County
Billerica town, Chelmsford town, Dracut town, Dunstable town, Groton town,
Lowell city, Pepperell town, Tewksbury town, Tyngsborough town, Westford
town
New Bedford, MA HMFA
Bristol County
Acushnet town, Dartmouth town, Fairhaven town, Freetown town, New Bedford
city
Pittsfield, MA HMFA
Berkshire County
Adams town, Cheshire town, Dalton town, Hinsdale town, Lanesborough town,
Lee town, Lenox town, Pittsfield city, Richmond town, Stockbridge town
Taunton-Mansfield-Norton, MA HMFA
Bristol County
Berkley town, Dighton town, Mansfield town, Norton town, Taunton city
Western Worcester County, MA HMFA
Worcester County
Athol town, Hardwick town, Hubbardston town, New Braintree town, Petersham
town, Phillipston town, Royalston town, Warren town
Worcester, MA HMFA
Worcester County
Auburn town, Barre town, Boylston town, Brookfield town, Charlton town,
Clinton town, Douglas town, Dudley town, East Brookfield town, Grafton town,
Holden town, Leicester town, Millbury town, North Brookfield town,
Northborough town, Northbridge town, Oakham town, Oxford town, Paxton
town, Princeton town, Rutland town, Shrewsbury town, Southbridge town,
Spencer town, Sterling town, Sturbridge town, Sutton town, Uxbridge town,
Webster town, West Boylston town, West Brookfield town, Westborough town,
Worcester city
Providence-Fall River, RI-MA HMFA

Bristol County
Attleboro city, Fall River city, North Attleborough town, Rehoboth town,
Seekonk town, Somerset town, Swansea town, Westport town
Springfield, MA HMFA
Franklin County
Sunderland town
Hampden County
Agawam city, Blandford town, Brimfield town, Chester town, Chicopee city,
East Longmeadow town, Granville town, Hampden town, Holland town,
Holyoke city, Longmeadow town, Ludlow town, Monson town, Montgomery
town, Palmer town, Russell town, Southwick town, Springfield city, Tolland
town, Wales town, West Springfield town, Westfield city, Wilbraham town
Hampshire County
Amherst town, Belchertown town, Chesterfield town, Cummington town,
Easthampton city, Goshen town, Granby town, Hadley town, Hatfield town,
Huntington town, Middlefield town, Northampton city, Pelham town, Plainfield
town, South Hadley town, Southampton town, Ware town, Westhampton town,
Williamsburg town, Worthington town
101
Michigan
In Michigan, the Fair Market Rent (FMR) for a two-bedroom apartment is $738. In order to afford this level of rent
Wage of:
$14.19
In Michigan, a minimum wage worker earns an hourly wage of $7.40. In order to afford the FMR for a two-bedroom
In Michigan, the estimated mean (average) wage for a renter is $11.40. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$738
Two-Bedroom FMR
$1,575
$145
$266
Minimum Wage Earner
$353
SSI Recipient
$529
$593
$472
$385
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
102
Michigan
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Michigan
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$14.19
$738
$29,512
1.9
$62,997
$1,575
$18,899
$472
991,623
26%
$11.40
$593
1.2
$12.05
$627
$25,066
1.6
$55,327
$1,383
$16,598
$415
150,940
20%
$8.77
$456
1.4
Metropolitan Areas
Ann Arbor MSA
$16.81
$874
$34,960
2.3
$87,400
$2,185
$26,220
$656
49,674
37%
$12.15
$632
1.4
Barry County HMFA
$12.90
$671
$26,840
1.7
$66,000
$1,650
$19,800
$495
3,537
15%
$9.50
$494
1.4
Battle Creek MSA
$12.77
$664
$26,560
1.7
$49,500
$1,238
$14,850
$371
15,034
28%
$11.77
$612
1.1
Bay City MSA
$11.92
$620
$24,800
1.6
$58,500
$1,463
$17,550
$439
8,963
20%
$8.29
$431
1.4
Cass County HMFA
$11.31
$588
$23,520
1.5
$57,500
$1,438
$17,250
$431
3,483
17%
$8.97
$466
1.3
Detroit-Warren-Livonia HMFA
$15.35
$798
$31,920
2.1
$65,300
$1,633
$19,590
$490
436,574
27%
$13.22
$687
1.2
Flint MSA
$12.42
$646
$25,840
1.7
$58,400
$1,460
$17,520
$438
47,632
28%
$9.64
$501
1.3
Grand Rapids-Wyoming HMFA *
$14.31
$744
$29,760
1.9
$60,300
$1,508
$18,090
$452
65,230
29%
$10.95
$569
1.3
Holland-Grand Haven MSA
$13.63
$709
$28,360
1.8
$66,000
$1,650
$19,800
$495
17,808
19%
$10.46
$544
1.3
Ionia County HMFA
$12.00
$624
$24,960
1.6
$59,100
$1,478
$17,730
$443
4,738
21%
$6.21
$323
1.9
Jackson MSA
$13.08
$680
$27,200
1.8
$61,600
$1,540
$18,480
$462
14,563
24%
$9.71
$505
1.3
Kalamazoo-Portage MSA
$13.23
$688
$27,520
1.8
$63,200
$1,580
$18,960
$474
40,401
31%
$10.00
$520
1.3
Lansing-East Lansing MSA
$14.23
$740
$29,600
1.9
$68,700
$1,718
$20,610
$515
57,345
32%
$10.33
$537
1.4
Livingston County HMFA
$15.35
$798
$31,920
2.1
$84,400
$2,110
$25,320
$633
8,629
13%
$9.48
$493
1.6
Monroe MSA
$13.73
$714
$28,560
1.9
$63,900
$1,598
$19,170
$479
11,250
19%
$10.20
$530
1.3
Muskegon-Norton Shores MSA
$12.02
$625
$25,000
1.6
$55,000
$1,375
$16,500
$413
15,980
24%
$8.61
$448
1.4
Newaygo County HMFA
$11.38
$592
$23,680
1.5
$53,100
$1,328
$15,930
$398
3,219
17%
$8.33
$433
1.4
Niles-Benton Harbor MSA
$12.08
$628
$25,120
1.6
$58,200
$1,455
$17,460
$437
17,048
27%
$9.80
$510
1.2
Saginaw-Saginaw Township North MSA
$12.50
$650
$26,000
1.7
$55,500
$1,388
$16,650
$416
19,575
26%
$8.69
$452
1.4
Alcona County
$11.23
$584
$23,360
1.5
$46,300
$1,158
$13,890
$347
451
10%
$7.20
$374
Alger County
$11.23
$584
$23,360
1.5
$56,100
$1,403
$16,830
$421
675
18%
$8.19
$426
1.4
Allegan County
$13.00
$676
$27,040
1.8
$62,300
$1,558
$18,690
$467
7,072
17%
$11.63
$605
1.1
Alpena County
$11.23
$584
$23,360
1.5
$49,700
$1,243
$14,910
$373
2,595
19%
$6.88
$358
1.6
Antrim County
$12.23
$636
$25,440
1.7
$54,400
$1,360
$16,320
$408
1,553
15%
$6.19
$322
2.0
Arenac County
$11.23
$584
$23,360
1.5
$47,300
$1,183
$14,190
$355
1,091
16%
$5.77
$300
1.9
Counties
1.6
103
Michigan
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Baraga County
$11.23
$584
$23,360
1.5
$52,300
$1,308
$15,690
$392
816
24%
$8.44
$439
1.3
Barry County
$12.90
$671
$26,840
1.7
$66,000
$1,650
$19,800
$495
3,537
15%
$9.50
$494
1.4
Bay County
$11.92
$620
$24,800
1.6
$58,500
$1,463
$17,550
$439
8,963
20%
$8.29
$431
1.4
Benzie County
$12.79
$665
$26,600
1.7
$55,700
$1,393
$16,710
$418
1,036
14%
$7.21
$375
1.8
Berrien County
$12.08
$628
$25,120
1.6
$58,200
$1,455
$17,460
$437
17,048
27%
$9.80
$510
1.2
Branch County
$11.96
$622
$24,880
1.6
$55,800
$1,395
$16,740
$419
3,176
19%
$8.59
$447
1.4
Calhoun County
$12.77
$664
$26,560
1.7
$49,500
$1,238
$14,850
$371
15,034
28%
$11.77
$612
1.1
Cass County
$11.31
$588
$23,520
1.5
$57,500
$1,438
$17,250
$431
3,483
17%
$8.97
$466
1.3
Charlevoix County
$12.69
$660
$26,400
1.7
$60,700
$1,518
$18,210
$455
1,921
17%
$9.97
$518
1.3
Cheboygan County
$11.23
$584
$23,360
1.5
$48,700
$1,218
$14,610
$365
2,253
19%
$6.76
$352
1.7
Chippewa County
$12.13
$631
$25,240
1.6
$57,000
$1,425
$17,100
$428
4,235
29%
$6.66
$346
1.8
Clare County
$11.56
$601
$24,040
1.6
$45,300
$1,133
$13,590
$340
2,636
20%
$8.52
$443
1.4
Clinton County
$14.23
$740
$29,600
1.9
$68,700
$1,718
$20,610
$515
4,948
17%
$8.34
$434
1.7
Crawford County
$11.23
$584
$23,360
1.5
$47,500
$1,188
$14,250
$356
905
16%
$6.73
$350
1.7
Delta County
$11.23
$584
$23,360
1.5
$54,100
$1,353
$16,230
$406
3,251
20%
$6.51
$338
1.7
Dickinson County
$11.35
$590
$23,600
1.5
$57,500
$1,438
$17,250
$431
2,241
20%
$7.71
$401
1.5
Eaton County
$14.23
$740
$29,600
1.9
$68,700
$1,718
$20,610
$515
10,727
25%
$11.70
$608
1.2
Emmet County
$14.12
$734
$29,360
1.9
$64,100
$1,603
$19,230
$481
3,263
24%
$9.88
$514
1.4
Genesee County
$12.42
$646
$25,840
1.7
$58,400
$1,460
$17,520
$438
47,632
28%
$9.64
$501
1.3
Gladwin County
$11.23
$584
$23,360
1.5
$45,000
$1,125
$13,500
$338
1,652
15%
$5.16
$268
2.2
Gogebic County
$11.23
$584
$23,360
1.5
$46,900
$1,173
$14,070
$352
1,783
24%
$7.60
$395
1.5
Grand Traverse County
$15.27
$794
$31,760
2.1
$65,900
$1,648
$19,770
$494
7,913
23%
$10.89
$566
1.4
Gratiot County
$11.23
$584
$23,360
1.5
$53,600
$1,340
$16,080
$402
3,199
22%
$8.15
$424
1.4
Hillsdale County
$12.54
$652
$26,080
1.7
$54,200
$1,355
$16,260
$407
3,163
18%
$9.18
$478
1.4
Houghton County
$11.23
$584
$23,360
1.5
$47,500
$1,188
$14,250
$356
4,203
30%
$6.55
$340
1.7
Huron County
$11.23
$584
$23,360
1.5
$52,700
$1,318
$15,810
$395
2,428
17%
$8.01
$416
1.4
Ingham County
$14.23
$740
$29,600
1.9
$68,700
$1,718
$20,610
$515
41,670
38%
$10.24
$533
1.4
Ionia County
$12.00
$624
$24,960
1.6
$59,100
$1,478
$17,730
$443
4,738
21%
$6.21
$323
1.9
Iosco County
$11.31
$588
$23,520
1.5
$46,100
$1,153
$13,830
$346
1,638
15%
$6.46
$336
1.8
Iron County
$11.23
$584
$23,360
1.5
$49,400
$1,235
$14,820
$371
813
15%
$7.49
$389
1.5
Isabella County
$12.33
$641
$25,640
1.7
$59,000
$1,475
$17,700
$443
10,078
41%
$6.62
$344
1.9
104
Michigan
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Jackson County
$13.08
$680
$27,200
1.8
$61,600
$1,540
$18,480
$462
14,563
24%
$9.71
$505
1.3
Kalamazoo County
$13.23
$688
$27,520
1.8
$63,200
$1,580
$18,960
$474
34,644
35%
$10.37
$539
1.3
Kalkaska County
$13.27
$690
$27,600
1.8
$48,000
$1,200
$14,400
$360
1,191
16%
$13.72
$713
1.0
Kent County *
$14.31
$744
$29,760
1.9
$60,300
$1,508
$18,090
$452
65,230
29%
$10.95
$569
1.3
Keweenaw County
$11.23
$584
$23,360
1.5
$47,600
$1,190
$14,280
$357
132
14%
$2.88
$150
3.9
Lake County
$11.63
$605
$24,200
1.6
$42,000
$1,050
$12,600
$315
634
16%
$7.69
$400
1.5
Lapeer County
$15.35
$798
$31,920
2.1
$65,300
$1,633
$19,590
$490
5,149
16%
$6.50
$338
2.4
Leelanau County
$12.79
$665
$26,600
1.7
$69,400
$1,735
$20,820
$521
1,331
14%
$6.95
$361
1.8
Lenawee County
$12.17
$633
$25,320
1.6
$64,600
$1,615
$19,380
$485
7,633
20%
$9.37
$487
1.3
Livingston County
$15.35
$798
$31,920
2.1
$84,400
$2,110
$25,320
$633
8,629
13%
$9.48
$493
1.6
Luce County
$11.23
$584
$23,360
1.5
$44,700
$1,118
$13,410
$335
495
20%
$6.16
$320
1.8
Mackinac County
$11.23
$584
$23,360
1.5
$54,300
$1,358
$16,290
$407
927
19%
$7.55
$393
1.5
Macomb County
$15.35
$798
$31,920
2.1
$65,300
$1,633
$19,590
$490
69,031
21%
$12.48
$649
1.2
Manistee County
$11.75
$611
$24,440
1.6
$51,900
$1,298
$15,570
$389
2,111
20%
$8.30
$431
1.4
Marquette County
$11.46
$596
$23,840
1.5
$64,000
$1,600
$19,200
$480
6,874
27%
$7.87
$409
1.5
Mason County
$11.96
$622
$24,880
1.6
$50,600
$1,265
$15,180
$380
2,754
22%
$8.27
$430
1.4
Mecosta County
$11.42
$594
$23,760
1.5
$52,500
$1,313
$15,750
$394
4,279
27%
$8.16
$424
1.4
Menominee County
$11.23
$584
$23,360
1.5
$53,600
$1,340
$16,080
$402
2,040
19%
$7.52
$391
1.5
Midland County
$12.10
$629
$25,160
1.6
$66,500
$1,663
$19,950
$499
7,852
23%
$12.42
$646
1.0
Missaukee County
$11.29
$587
$23,480
1.5
$47,600
$1,190
$14,280
$357
1,000
17%
$7.98
$415
1.4
Monroe County
$13.73
$714
$28,560
1.9
$63,900
$1,598
$19,170
$479
11,250
19%
$10.20
$530
1.3
Montcalm County
$12.02
$625
$25,000
1.6
$50,400
$1,260
$15,120
$378
4,584
20%
$8.10
$421
1.5
Montmorency County
$12.37
$643
$25,720
1.7
$43,200
$1,080
$12,960
$324
575
13%
$6.60
$343
1.9
Muskegon County
$12.02
$625
$25,000
1.6
$55,000
$1,375
$16,500
$413
15,980
24%
$8.61
$448
1.4
Newaygo County
$11.38
$592
$23,680
1.5
$53,100
$1,328
$15,930
$398
3,219
17%
$8.33
$433
1.4
Oakland County
$15.35
$798
$31,920
2.1
$65,300
$1,633
$19,590
$490
122,416
25%
$13.94
$725
1.1
Oceana County
$11.23
$584
$23,360
1.5
$49,000
$1,225
$14,700
$368
1,673
17%
$7.14
$371
1.6
Ogemaw County
$11.23
$584
$23,360
1.5
$43,600
$1,090
$13,080
$327
1,301
16%
$6.47
$336
1.7
Ontonagon County
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
498
15%
$6.41
$333
1.8
Osceola County
$11.23
$584
$23,360
1.5
$46,000
$1,150
$13,800
$345
1,647
18%
$10.91
$567
1.0
Oscoda County
$12.29
$639
$25,560
1.7
$44,900
$1,123
$13,470
$337
681
17%
$6.24
$324
2.0
105
Michigan
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Otsego County
$12.77
$664
$26,560
1.7
$56,600
$1,415
$16,980
$425
1,771
18%
$7.73
$402
1.7
Ottawa County
$13.63
$709
$28,360
1.8
$66,000
$1,650
$19,800
$495
17,808
19%
$10.46
$544
1.3
Presque Isle County
$11.23
$584
$23,360
1.5
$47,000
$1,175
$14,100
$353
718
11%
$7.74
$403
1.5
Roscommon County
$11.23
$584
$23,360
1.5
$43,400
$1,085
$13,020
$326
1,763
15%
$5.58
$290
2.0
Saginaw County
$12.50
$650
$26,000
1.7
$55,500
$1,388
$16,650
$416
19,575
26%
$8.69
$452
1.4
Sanilac County
$11.29
$587
$23,480
1.5
$51,300
$1,283
$15,390
$385
2,878
17%
$7.86
$409
1.4
Schoolcraft County
$11.42
$594
$23,760
1.5
$51,000
$1,275
$15,300
$383
449
12%
$7.57
$394
1.5
Shiawassee County
$12.13
$631
$25,240
1.6
$58,200
$1,455
$17,460
$437
5,825
21%
$7.48
$389
1.6
St. Clair County
$15.35
$798
$31,920
2.1
$65,300
$1,633
$19,590
$490
13,638
21%
$9.40
$489
1.6
St. Joseph County
$11.58
$602
$24,080
1.6
$55,100
$1,378
$16,530
$413
4,945
22%
$10.45
$543
1.1
Tuscola County
$11.23
$584
$23,360
1.5
$53,500
$1,338
$16,050
$401
3,652
17%
$8.89
$462
1.3
Van Buren County
$13.23
$688
$27,520
1.8
$63,200
$1,580
$18,960
$474
5,757
20%
$7.91
$411
1.7
Washtenaw County
$16.81
$874
$34,960
2.3
$87,400
$2,185
$26,220
$656
49,674
37%
$12.15
$632
1.4
Wayne County
$15.35
$798
$31,920
2.1
$65,300
$1,633
$19,590
$490
226,340
33%
$13.22
$688
1.2
Wexford County
$12.02
$625
$25,000
1.6
$50,600
$1,265
$15,180
$380
2,687
21%
$8.12
$422
1.5
106
Minnesota
In Minnesota, the Fair Market Rent (FMR) for a two-bedroom apartment is $806. In order to afford this level of rent
Wage of:
$15.50
In Minnesota, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Minnesota, the estimated mean (average) wage for a renter is $12.17. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 51 hours per week, 52 weeks per year. Or, working 40 hours per
$806
Two-Bedroom FMR
$1,890
$173
$239
Minimum Wage Earner
$429
SSI Recipient
$597
$633
$567
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
Gap between Rent

Affordable and
FMR
$2,000
107
Minnesota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Minnesota
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$15.50
$806
$32,250
2.1
$75,607
$1,890
$22,682
$567
537,790
26%
$12.17
$633
1.3
$11.86
$617
$24,665
1.6
$60,832
$1,521
$18,250
$456
118,258
22%
$8.18
$425
1.5
Duluth MSA
$13.21
$687
$27,480
1.8
$62,300
$1,558
$18,690
$467
26,434
26%
$8.57
$446
1.5
Fargo MSA
$12.58
$654
$26,160
1.7
$70,400
$1,760
$21,120
$528
6,247
29%
$6.32
$329
2.0
Grand Forks MSA
$12.79
$665
$26,600
1.8
$64,700
$1,618
$19,410
$485
3,379
27%
$7.07
$368
1.8
La Crosse MSA
$12.56
$653
$26,120
1.7
$68,400
$1,710
$20,520
$513
1,422
18%
$6.04
$314
2.1
Mankato-North Mankato MSA
$12.67
$659
$26,360
1.7
$69,000
$1,725
$20,700
$518
10,973
30%
$8.66
$451
1.5
Minneapolis-St. Paul-Bloomington MSA
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
335,740
28%
$13.89
$722
1.3
Rochester HMFA
$13.88
$722
$28,880
1.9
$81,300
$2,033
$24,390
$610
14,092
22%
$13.65
$710
1.0
St. Cloud MSA
$13.12
$682
$27,280
1.8
$69,300
$1,733
$20,790
$520
19,650
28%
$9.16
$476
1.4
Wabasha County HMFA
$11.23
$584
$23,360
1.5
$69,000
$1,725
$20,700
$518
1,595
18%
$6.67
$347
1.7
Aitkin County
$11.21
$583
$23,320
1.5
$49,300
$1,233
$14,790
$370
1,494
19%
$6.75
$351
1.7
Anoka County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
20,530
17%
$10.86
$565
1.6
Becker County
$11.21
$583
$23,320
1.5
$59,800
$1,495
$17,940
$449
2,778
21%
$6.98
$363
1.6
Beltrami County
$11.50
$598
$23,920
1.6
$57,200
$1,430
$17,160
$429
4,584
27%
$6.95
$361
1.7
Benton County
$13.12
$682
$27,280
1.8
$69,300
$1,733
$20,790
$520
4,403
29%
$8.76
$456
1.5
Big Stone County
$11.21
$583
$23,320
1.5
$52,300
$1,308
$15,690
$392
471
20%
$6.74
$350
1.7
Blue Earth County
$12.67
$659
$26,360
1.7
$69,000
$1,725
$20,700
$518
7,849
33%
$8.40
$437
1.5
Brown County
$11.21
$583
$23,320
1.5
$64,200
$1,605
$19,260
$482
2,190
20%
$7.86
$409
1.4
Carlton County
$13.21
$687
$27,480
1.8
$62,300
$1,558
$18,690
$467
2,680
20%
$6.57
$342
2.0
Carver County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
5,290
16%
$9.97
$518
1.7
Cass County
$11.21
$583
$23,320
1.5
$53,200
$1,330
$15,960
$399
2,151
17%
$6.04
$314
1.9
Chippewa County
$11.21
$583
$23,320
1.5
$57,300
$1,433
$17,190
$430
1,333
26%
$8.40
$437
1.3
Chisago County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
2,595
13%
$7.58
$394
2.3
Clay County
$12.58
$654
$26,160
1.7
$70,400
$1,760
$21,120
$528
6,247
29%
$6.32
$329
2.0
Clearwater County
$11.21
$583
$23,320
1.5
$47,700
$1,193
$14,310
$358
827
22%
$7.42
$386
1.5
Cook County
$12.90
$671
$26,840
1.8
$57,200
$1,430
$17,160
$429
696
27%
$5.83
$303
2.2
Metropolitan Areas
Counties
108
Minnesota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Cottonwood County
$11.21
$583
$23,320
1.5
$55,600
$1,390
$16,680
$417
1,003
20%
$7.96
$414
Crow Wing County
$12.19
$634
$25,360
1.7
$59,400
$1,485
$17,820
$446
6,359
24%
$8.09
$421
1.4
1.5
Dakota County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
32,865
22%
$11.96
$622
1.5
Dodge County
$13.88
$722
$28,880
1.9
$81,300
$2,033
$24,390
$610
946
13%
$7.76
$403
1.8
Douglas County
$11.46
$596
$23,840
1.6
$60,700
$1,518
$18,210
$455
3,837
24%
$7.65
$398
1.5
Faribault County
$11.21
$583
$23,320
1.5
$55,000
$1,375
$16,500
$413
1,205
19%
$8.26
$430
1.4
Fillmore County
$11.21
$583
$23,320
1.5
$62,400
$1,560
$18,720
$468
1,732
20%
$7.92
$412
1.4
Freeborn County
$11.25
$585
$23,400
1.6
$60,300
$1,508
$18,090
$452
2,588
20%
$8.38
$436
1.3
Goodhue County
$13.79
$717
$28,680
1.9
$72,800
$1,820
$21,840
$546
4,008
21%
$8.52
$443
1.6
Grant County
$11.21
$583
$23,320
1.5
$57,000
$1,425
$17,100
$428
575
22%
$6.74
$351
1.7
Hennepin County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
165,042
35%
$15.82
$823
1.1
Houston County
$12.56
$653
$26,120
1.7
$68,400
$1,710
$20,520
$513
1,422
18%
$6.04
$314
2.1
Hubbard County
$11.79
$613
$24,520
1.6
$56,500
$1,413
$16,950
$424
1,536
18%
$6.59
$343
1.8
Isanti County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
2,356
17%
$8.79
$457
2.0
Itasca County
$12.60
$655
$26,200
1.7
$56,700
$1,418
$17,010
$425
3,499
18%
$7.76
$404
1.6
Jackson County
$11.21
$583
$23,320
1.5
$59,200
$1,480
$17,760
$444
971
21%
$10.20
$530
1.1
Kanabec County
$13.98
$727
$29,080
1.9
$54,800
$1,370
$16,440
$411
1,091
17%
$8.08
$420
1.7
Kandiyohi County
$11.21
$583
$23,320
1.5
$65,000
$1,625
$19,500
$488
4,140
24%
$6.78
$353
1.7
Kittson County
$11.21
$583
$23,320
1.5
$63,600
$1,590
$19,080
$477
273
14%
$7.16
$372
1.6
Koochiching County
$11.21
$583
$23,320
1.5
$62,100
$1,553
$18,630
$466
1,478
24%
$10.36
$539
1.1
Lac qui Parle County
$11.21
$583
$23,320
1.5
$56,100
$1,403
$16,830
$421
511
16%
$8.83
$459
1.3
Lake County
$12.71
$661
$26,440
1.8
$57,600
$1,440
$17,280
$432
1,044
20%
$9.90
$515
1.3
Lake of the Woods County
$13.06
$679
$27,160
1.8
$60,700
$1,518
$18,210
$455
222
12%
$7.08
$368
1.8
Le Sueur County
$13.23
$688
$27,520
1.8
$72,500
$1,813
$21,750
$544
1,741
16%
$9.13
$475
1.4
Lincoln County
$11.21
$583
$23,320
1.5
$59,600
$1,490
$17,880
$447
416
16%
$6.99
$363
1.6
Lyon County
$11.21
$583
$23,320
1.5
$65,200
$1,630
$19,560
$489
3,263
32%
$8.36
$435
1.3
Mahnomen County
$11.21
$583
$23,320
1.5
$50,300
$1,258
$15,090
$377
505
25%
$7.20
$374
1.6
Marshall County
$11.21
$583
$23,320
1.5
$61,700
$1,543
$18,510
$463
696
17%
$9.35
$486
1.2
Martin County
$11.21
$583
$23,320
1.5
$60,300
$1,508
$18,090
$452
1,973
22%
$9.09
$473
1.2
McLeod County
$12.67
$659
$26,360
1.7
$72,500
$1,813
$21,750
$544
2,924
20%
$9.87
$513
1.3
Meeker County
$13.27
$690
$27,600
1.8
$63,800
$1,595
$19,140
$479
1,726
18%
$7.31
$380
1.8
109
Minnesota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Mille Lacs County
$12.40
$645
$25,800
1.7
$59,600
$1,490
$17,880
$447
2,380
23%
$6.27
$326
Morrison County
$11.21
$583
$23,320
1.5
$58,900
$1,473
$17,670
$442
2,644
20%
$6.96
$362
2.0
1.6
Mower County
$11.46
$596
$23,840
1.6
$60,000
$1,500
$18,000
$450
4,047
25%
$10.01
$520
1.1
Murray County
$11.21
$583
$23,320
1.5
$55,900
$1,398
$16,770
$419
639
17%
$8.00
$416
1.4
Nicollet County
$12.67
$659
$26,360
1.7
$69,000
$1,725
$20,700
$518
3,124
26%
$9.46
$492
1.3
Nobles County
$11.21
$583
$23,320
1.5
$57,000
$1,425
$17,100
$428
2,164
27%
$8.95
$465
1.3
Norman County
$11.21
$583
$23,320
1.5
$54,500
$1,363
$16,350
$409
608
21%
$8.82
$459
1.3
Olmsted County
$13.88
$722
$28,880
1.9
$81,300
$2,033
$24,390
$610
13,146
23%
$13.94
$725
1.0
Otter Tail County
$11.21
$583
$23,320
1.5
$55,400
$1,385
$16,620
$416
5,281
21%
$7.40
$385
1.5
Pennington County
$11.21
$583
$23,320
1.5
$58,700
$1,468
$17,610
$440
1,289
23%
$8.08
$420
1.4
Pine County
$11.58
$602
$24,080
1.6
$53,800
$1,345
$16,140
$404
2,124
18%
$6.63
$345
1.7
Pipestone County
$11.21
$583
$23,320
1.5
$56,200
$1,405
$16,860
$422
912
23%
$6.77
$352
1.7
Polk County
$12.79
$665
$26,600
1.8
$64,700
$1,618
$19,410
$485
3,379
27%
$7.07
$368
1.8
Pope County
$12.10
$629
$25,160
1.7
$60,400
$1,510
$18,120
$453
1,059
22%
$8.49
$442
1.4
Ramsey County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
76,812
38%
$14.26
$742
1.2
Red Lake County
$11.21
$583
$23,320
1.5
$58,600
$1,465
$17,580
$440
290
17%
$5.61
$292
2.0
Redwood County
$11.21
$583
$23,320
1.5
$58,000
$1,450
$17,400
$435
1,446
22%
$8.32
$433
1.3
Renville County
$11.21
$583
$23,320
1.5
$59,300
$1,483
$17,790
$445
1,353
21%
$8.06
$419
1.4
Rice County
$14.81
$770
$30,800
2.0
$72,300
$1,808
$21,690
$542
5,090
23%
$9.37
$487
1.6
Rock County
$11.21
$583
$23,320
1.5
$60,500
$1,513
$18,150
$454
803
21%
$8.53
$444
1.3
Roseau County
$11.21
$583
$23,320
1.5
$59,200
$1,480
$17,760
$444
1,238
20%
$11.28
$587
1.0
Scott County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
5,877
13%
$10.05
$522
1.7
Sherburne County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
4,295
15%
$7.37
$383
2.4
Sibley County
$11.21
$583
$23,320
1.5
$62,700
$1,568
$18,810
$470
1,108
18%
$8.65
$450
1.3
St. Louis County
$13.21
$687
$27,480
1.8
$62,300
$1,558
$18,690
$467
23,754
27%
$8.77
$456
1.5
Stearns County
$13.12
$682
$27,280
1.8
$69,300
$1,733
$20,790
$520
15,247
27%
$9.25
$481
1.4
Steele County
$13.06
$679
$27,160
1.8
$70,200
$1,755
$21,060
$527
2,983
21%
$10.36
$539
1.3
Stevens County
$11.21
$583
$23,320
1.5
$69,100
$1,728
$20,730
$518
1,186
32%
$7.75
$403
1.4
Swift County
$11.21
$583
$23,320
1.5
$57,100
$1,428
$17,130
$428
1,107
26%
$7.54
$392
1.5
Todd County
$11.21
$583
$23,320
1.5
$53,200
$1,330
$15,960
$399
1,731
17%
$7.65
$398
1.5
Traverse County
$11.21
$583
$23,320
1.5
$54,700
$1,368
$16,410
$410
322
20%
$7.92
$412
1.4
110
Minnesota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Wabasha County
$11.23
$584
$23,360
1.5
$69,000
$1,725
$20,700
$518
1,595
18%
$6.67
$347
1.7
Wadena County
$11.21
$583
$23,320
1.5
$49,800
$1,245
$14,940
$374
1,407
24%
$7.13
$371
1.6
Waseca County
$11.21
$583
$23,320
1.5
$67,100
$1,678
$20,130
$503
1,438
20%
$8.84
$459
1.3
Washington County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
13,480
16%
$9.24
$481
1.9
Watonwan County
$11.21
$583
$23,320
1.5
$58,300
$1,458
$17,490
$437
906
21%
$7.44
$387
1.5
Wilkin County
$11.21
$583
$23,320
1.5
$62,200
$1,555
$18,660
$467
472
17%
$9.03
$470
1.2
Winona County
$12.10
$629
$25,160
1.7
$65,500
$1,638
$19,650
$491
5,528
28%
$7.20
$374
1.7
Wright County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
6,598
15%
$7.34
$381
2.4
Yellow Medicine County
$11.21
$583
$23,320
1.5
$60,200
$1,505
$18,060
$452
863
20%
$7.15
$372
1.6
111
Mississippi
In Mississippi, the Fair Market Rent (FMR) for a two-bedroom apartment is $622. In order to afford this level of rent
Wage of:
$11.97
In Mississippi, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Mississippi, the estimated mean (average) wage for a renter is $10.03. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 48 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$622
Two-Bedroom FMR
$1,222

$522
$100
$367
$255
Minimum Wage Earner
$377
Minimum Wage Earner
$245
SSI Recipient
$413
SSI Recipient
$209
$0
$500
$1,000
$1,500
112
Mississippi
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Mississippi
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$11.97
$622
$24,891
1.7
$48,871
$1,222
$14,661
$367
315,367
29%
$10.03
$522
1.2
$10.60
$551
$22,045
1.5
$43,319
$1,083
$12,996
$325
172,433
29%
$9.02
$469
1.2
Metropolitan Areas
Gulfport-Biloxi MSA
$14.48
$753
$30,120
2.0
$54,800
$1,370
$16,440
$411
27,692
31%
$11.03
$574
1.3
Hattiesburg MSA
$12.38
$644
$25,760
1.7
$50,200
$1,255
$15,060
$377
18,615
35%
$9.49
$493
1.3
Jackson HMFA
$14.06
$731
$29,240
1.9
$58,800
$1,470
$17,640
$441
59,704
32%
$11.09
$577
1.3
Marshall County HMFA
$10.13
$527
$21,080
1.4
$43,800
$1,095
$13,140
$329
2,868
23%
$9.05
$471
1.1
Memphis HMFA
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
12,529
22%
$10.07
$523
1.4
Pascagoula MSA
$12.85
$668
$26,720
1.8
$58,400
$1,460
$17,520
$438
14,760
26%
$14.06
$731
0.9
Simpson County HMFA
$10.90
$567
$22,680
1.5
$45,200
$1,130
$13,560
$339
2,422
23%
$8.88
$462
1.2
Tate County HMFA
$13.12
$682
$27,280
1.8
$46,700
$1,168
$14,010
$350
2,410
24%
$8.99
$468
1.5
Tunica County HMFA
$13.48
$701
$28,040
1.9
$31,900
$798
$9,570
$239
1,934
48%
$10.51
$546
1.3
Adams County
$10.13
$527
$21,080
1.4
$38,000
$950
$11,400
$285
4,068
33%
$8.59
$447
1.2
Alcorn County
$10.13
$527
$21,080
1.4
$47,000
$1,175
$14,100
$353
3,656
27%
$7.66
$398
1.3
Amite County
$10.13
$527
$21,080
1.4
$35,100
$878
$10,530
$263
928
19%
$6.36
$331
1.6
Attala County
$10.13
$527
$21,080
1.4
$40,800
$1,020
$12,240
$306
1,790
25%
$9.27
$482
1.1
Benton County
$10.13
$527
$21,080
1.4
$38,500
$963
$11,550
$289
692
21%
$20.78
$1,080
0.5
Bolivar County
$11.52
$599
$23,960
1.6
$34,000
$850
$10,200
$255
5,554
44%
$9.70
$505
1.2
Calhoun County
$10.13
$527
$21,080
1.4
$35,100
$878
$10,530
$263
1,820
31%
$7.80
$405
1.3
Carroll County
$14.25
$741
$29,640
2.0
$38,400
$960
$11,520
$288
743
19%
$6.45
$335
2.2
Chickasaw County
$10.13
$527
$21,080
1.4
$45,100
$1,128
$13,530
$338
1,918
28%
$6.99
$364
1.4
Choctaw County
$10.13
$527
$21,080
1.4
$41,600
$1,040
$12,480
$312
831
23%
$15.17
$789
0.7
Claiborne County
$10.13
$527
$21,080
1.4
$31,400
$785
$9,420
$236
694
21%
$20.06
$1,043
0.5
Clarke County
$10.13
$527
$21,080
1.4
$42,500
$1,063
$12,750
$319
1,491
22%
$10.03
$521
1.0
Clay County
$10.13
$527
$21,080
1.4
$39,900
$998
$11,970
$299
2,243
29%
$9.15
$476
1.1
Coahoma County
$10.13
$527
$21,080
1.4
$30,900
$773
$9,270
$232
4,020
43%
$9.75
$507
1.0
Copiah County
$14.06
$731
$29,240
1.9
$58,800
$1,470
$17,640
$441
2,238
22%
$8.01
$417
1.8
Covington County
$10.13
$527
$21,080
1.4
$41,700
$1,043
$12,510
$313
1,186
16%
$8.09
$421
1.3
Counties
113
Mississippi
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
DeSoto County
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
12,529
22%
$10.07
$523
1.4
Forrest County
$12.38
$644
$25,760
1.7
$50,200
$1,255
$15,060
$377
11,747
42%
$10.51
$546
1.2
Franklin County
$10.13
$527
$21,080
1.4
$42,300
$1,058
$12,690
$317
426
14%
$7.00
$364
1.4
George County
$12.85
$668
$26,720
1.8
$58,400
$1,460
$17,520
$438
1,336
17%
$6.60
$343
1.9
Greene County
$10.37
$539
$21,560
1.4
$51,200
$1,280
$15,360
$384
449
11%
$10.65
$554
1.0
Grenada County
$10.13
$527
$21,080
1.4
$45,300
$1,133
$13,590
$340
3,088
35%
$8.04
$418
1.3
Hancock County
$14.48
$753
$30,120
2.0
$54,800
$1,370
$16,440
$411
3,892
25%
$13.69
$712
1.1
Harrison County
$14.48
$753
$30,120
2.0
$54,800
$1,370
$16,440
$411
22,448
34%
$10.77
$560
1.3
Hinds County
$14.06
$731
$29,240
1.9
$58,800
$1,470
$17,640
$441
34,446
39%
$12.05
$627
1.2
Holmes County
$10.13
$527
$21,080
1.4
$26,100
$653
$7,830
$196
1,898
28%
$9.79
$509
1.0
Humphreys County
$10.13
$527
$21,080
1.4
$33,000
$825
$9,900
$248
1,266
38%
$6.84
$356
1.5
Issaquena County
$10.13
$527
$21,080
1.4
$26,100
$653
$7,830
$196
204
35%
$7.93
$412
1.3
Itawamba County
$10.13
$527
$21,080
1.4
$48,700
$1,218
$14,610
$365
1,791
20%
$9.42
$490
1.1
Jackson County
$12.85
$668
$26,720
1.8
$58,400
$1,460
$17,520
$438
13,424
27%
$14.57
$758
0.9
Jasper County
$10.13
$527
$21,080
1.4
$42,500
$1,063
$12,750
$319
1,117
16%
$13.49
$702
0.8
Jefferson County
$10.13
$527
$21,080
1.4
$35,600
$890
$10,680
$267
708
25%
$5.90
$307
1.7
Jefferson Davis County
$10.13
$527
$21,080
1.4
$33,600
$840
$10,080
$252
895
18%
$7.49
$390
1.4
Jones County
$10.88
$566
$22,640
1.5
$41,600
$1,040
$12,480
$312
6,582
26%
$10.28
$534
1.1
Kemper County
$10.13
$527
$21,080
1.4
$45,600
$1,140
$13,680
$342
895
24%
$6.31
$328
1.6
Lafayette County
$12.17
$633
$25,320
1.7
$67,800
$1,695
$20,340
$509
6,587
40%
$7.65
$398
1.6
Lamar County
$12.38
$644
$25,760
1.7
$50,200
$1,255
$15,060
$377
6,080
30%
$7.53
$391
1.6
Lauderdale County
$10.77
$560
$22,400
1.5
$45,800
$1,145
$13,740
$344
10,275
34%
$9.54
$496
1.1
Lawrence County
$10.13
$527
$21,080
1.4
$45,200
$1,130
$13,560
$339
916
18%
$12.58
$654
0.8
Leake County
$10.92
$568
$22,720
1.5
$45,400
$1,135
$13,620
$341
1,605
21%
$9.10
$473
1.2
Lee County
$10.48
$545
$21,800
1.4
$53,400
$1,335
$16,020
$401
9,613
31%
$9.62
$500
1.1
Leflore County
$10.13
$527
$21,080
1.4
$25,200
$630
$7,560
$189
5,492
49%
$8.59
$447
1.2
Lincoln County
$10.13
$527
$21,080
1.4
$47,600
$1,190
$14,280
$357
2,988
23%
$9.11
$474
1.1
Lowndes County
$10.46
$544
$21,760
1.4
$51,200
$1,280
$15,360
$384
7,790
34%
$10.04
$522
1.0
Madison County
$14.06
$731
$29,240
1.9
$58,800
$1,470
$17,640
$441
10,507
30%
$11.06
$575
1.3
Marion County
$10.19
$530
$21,200
1.4
$42,000
$1,050
$12,600
$315
1,904
20%
$9.09
$473
1.1
Marshall County
$10.13
$527
$21,080
1.4
$43,800
$1,095
$13,140
$329
2,868
23%
$9.05
$471
1.1
114
Mississippi
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Monroe County
$10.13
$527
$21,080
1.4
$43,100
$1,078
$12,930
$323
3,127
21%
$7.88
$410
Montgomery County
$10.13
$527
$21,080
1.4
$39,100
$978
$11,730
$293
1,041
24%
$6.18
$322
1.3
1.6
Neshoba County
$10.58
$550
$22,000
1.5
$40,800
$1,020
$12,240
$306
2,527
24%
$11.11
$578
1.0
Newton County
$10.13
$527
$21,080
1.4
$45,500
$1,138
$13,650
$341
1,573
20%
$10.04
$522
1.0
Noxubee County
$10.13
$527
$21,080
1.4
$32,800
$820
$9,840
$246
1,087
26%
$7.10
$369
1.4
Oktibbeha County
$11.31
$588
$23,520
1.6
$50,200
$1,255
$15,060
$377
8,798
49%
$6.69
$348
1.7
Panola County
$10.52
$547
$21,880
1.5
$42,300
$1,058
$12,690
$317
2,924
24%
$9.84
$512
1.1
Pearl River County
$11.44
$595
$23,800
1.6
$49,200
$1,230
$14,760
$369
4,546
22%
$7.78
$405
1.5
Perry County
$12.38
$644
$25,760
1.7
$50,200
$1,255
$15,060
$377
788
17%
$11.84
$616
1.0
Pike County
$10.90
$567
$22,680
1.5
$42,400
$1,060
$12,720
$318
4,000
27%
$7.17
$373
1.5
Pontotoc County
$10.13
$527
$21,080
1.4
$50,400
$1,260
$15,120
$378
2,284
22%
$7.79
$405
1.3
Prentiss County
$10.13
$527
$21,080
1.4
$40,900
$1,023
$12,270
$307
1,974
21%
$5.66
$295
1.8
Quitman County
$10.13
$527
$21,080
1.4
$28,600
$715
$8,580
$215
986
31%
$7.53
$392
1.3
Rankin County
$14.06
$731
$29,240
1.9
$58,800
$1,470
$17,640
$441
12,513
24%
$9.64
$501
1.5
Scott County
$10.38
$540
$21,600
1.4
$40,700
$1,018
$12,210
$305
1,920
20%
$8.25
$429
1.3
Sharkey County
$10.13
$527
$21,080
1.4
$41,700
$1,043
$12,510
$313
545
33%
$6.39
$332
1.6
Simpson County
$10.90
$567
$22,680
1.5
$45,200
$1,130
$13,560
$339
2,422
23%
$8.88
$462
1.2
Smith County
$10.13
$527
$21,080
1.4
$44,800
$1,120
$13,440
$336
798
13%
$11.40
$593
0.9
Stone County
$14.48
$753
$30,120
2.0
$54,800
$1,370
$16,440
$411
1,352
23%
$7.90
$411
1.8
Sunflower County
$10.13
$527
$21,080
1.4
$30,800
$770
$9,240
$231
3,649
43%
$9.47
$492
1.1
Tallahatchie County
$10.13
$527
$21,080
1.4
$28,300
$708
$8,490
$212
1,300
27%
$7.29
$379
1.4
Tate County
$13.12
$682
$27,280
1.8
$46,700
$1,168
$14,010
$350
2,410
24%
$8.99
$468
1.5
Tippah County
$10.13
$527
$21,080
1.4
$38,300
$958
$11,490
$287
2,137
25%
$9.03
$470
1.1
Tishomingo County
$10.13
$527
$21,080
1.4
$40,400
$1,010
$12,120
$303
1,560
20%
$6.49
$338
1.6
Tunica County
$13.48
$701
$28,040
1.9
$31,900
$798
$9,570
$239
1,934
48%
$10.51
$546
1.3
Union County
$10.13
$527
$21,080
1.4
$47,000
$1,175
$14,100
$353
2,446
24%
$8.78
$457
1.2
Walthall County
$12.31
$640
$25,600
1.7
$39,300
$983
$11,790
$295
876
16%
$9.13
$475
1.3
Warren County
$11.60
$603
$24,120
1.6
$55,000
$1,375
$16,500
$413
6,309
33%
$9.11
$474
1.3
Washington County
$10.23
$532
$21,280
1.4
$34,500
$863
$10,350
$259
8,337
44%
$9.17
$477
1.1
Wayne County
$10.13
$527
$21,080
1.4
$38,000
$950
$11,400
$285
1,508
18%
$9.03
$470
1.1
Webster County
$10.13
$527
$21,080
1.4
$44,700
$1,118
$13,410
$335
1,164
30%
$7.27
$378
1.4
115
Mississippi
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Wilkinson County
$10.13
$527
$21,080
1.4
$29,800
$745
$8,940
$224
866
25%
$8.44
$439
1.2
Winston County
$10.13
$527
$21,080
1.4
$43,900
$1,098
$13,170
$329
1,523
21%
$9.82
$510
1.0
Yalobusha County
$10.25
$533
$21,320
1.4
$37,400
$935
$11,220
$281
1,371
28%
$9.73
$506
1.1
Yazoo County
$11.04
$574
$22,960
1.5
$38,600
$965
$11,580
$290
3,134
36%
$9.12
$474
1.2
116
Missouri
In Missouri, the Fair Market Rent (FMR) for a two-bedroom apartment is $693. In order to afford this level of rent
Wage of:
$13.34
In Missouri, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Missouri, the estimated mean (average) wage for a renter is $11.73. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$693
Two-Bedroom FMR
$1,565
$83
$223
Minimum Wage Earner
$316
SSI Recipient
$484
$610
$470
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
117
Missouri
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Missouri
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.34
$693
$27,737
1.8
$62,608
$1,565
$18,782
$470
704,933
30%
$11.73
$610
1.1
$11.12
$578
$23,131
1.5
$48,160
$1,204
$14,448
$361
166,211
28%
$8.47
$440
1.3
Bates County HMFA
$12.17
$633
$25,320
1.7
$53,000
$1,325
$15,900
$398
1,666
25%
$7.13
$371
1.7
Calloway County HMFA
$11.13
$579
$23,160
1.5
$63,700
$1,593
$19,110
$478
4,090
25%
$9.94
$517
1.1
Cape Girardeau-Jackson MSA
$11.46
$596
$23,840
1.6
$54,600
$1,365
$16,380
$410
10,675
31%
$10.60
$551
1.1
Columbia MSA
$12.33
$641
$25,640
1.7
$66,000
$1,650
$19,800
$495
27,733
41%
$8.96
$466
1.4
Dallas County HMFA
$10.67
$555
$22,200
1.5
$45,800
$1,145
$13,740
$344
1,173
18%
$5.98
$311
1.8
Jefferson City HMFA
$10.85
$564
$22,560
1.5
$70,000
$1,750
$21,000
$525
10,128
29%
$10.15
$528
1.1
1.2
Metropolitan Areas
Joplin MSA
$11.44
$595
$23,800
1.6
$48,200
$1,205
$14,460
$362
20,735
31%
$9.87
$513
Kansas City HMFA
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
150,422
32%
$12.85
$668
1.1
McDonald County HMFA
$10.67
$555
$22,200
1.5
$46,100
$1,153
$13,830
$346
2,383
30%
$9.75
$507
1.1
Moniteau County HMFA
$11.10
$577
$23,080
1.5
$60,100
$1,503
$18,030
$451
1,187
22%
$5.89
$306
1.9
Polk County HMFA
$10.67
$555
$22,200
1.5
$49,500
$1,238
$14,850
$371
3,278
28%
$8.58
$446
1.2
Springfield HMFA
$11.75
$611
$24,440
1.6
$55,400
$1,385
$16,620
$416
53,097
34%
$10.42
$542
1.1
St. Joseph MSA
$11.65
$606
$24,240
1.6
$56,400
$1,410
$16,920
$423
13,582
31%
$10.77
$560
1.1
St. Louis HMFA
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
236,804
29%
$13.39
$696
1.1
$10.67
$555
$22,200
1.5
$43,900
$1,098
$13,170
$329
1,769
20%
$6.77
$352
1.6
Adair County
$10.85
$564
$22,560
1.5
$47,400
$1,185
$14,220
$356
3,731
39%
$5.33
$277
2.0
Andrew County
$11.65
$606
$24,240
1.6
$56,400
$1,410
$16,920
$423
1,417
21%
$6.99
$363
1.7
Atchison County
$10.67
$555
$22,200
1.5
$58,300
$1,458
$17,490
$437
682
28%
$8.00
$416
1.3
Audrain County
$10.85
$564
$22,560
1.5
$51,500
$1,288
$15,450
$386
2,241
24%
$9.23
$480
1.2
Barry County
$10.67
$555
$22,200
1.5
$47,800
$1,195
$14,340
$359
3,573
25%
$9.67
$503
1.1
Barton County
$10.67
$555
$22,200
1.5
$50,700
$1,268
$15,210
$380
1,205
24%
$7.35
$382
1.5
Bates County
$12.17
$633
$25,320
1.7
$53,000
$1,325
$15,900
$398
1,666
25%
$7.13
$371
1.7
Benton County
$10.67
$555
$22,200
1.5
$46,100
$1,153
$13,830
$346
1,326
16%
$7.23
$376
1.5
Bollinger County
$11.46
$596
$23,840
1.6
$54,600
$1,365
$16,380
$410
1,022
21%
$7.48
$389
1.5
Boone County
$12.33
$641
$25,640
1.7
$66,000
$1,650
$19,800
$495
26,901
42%
$9.08
$472
1.4
Counties
Sullivan City (part of Crawford County) is not included due to a lack of sufficient data.
118
Missouri
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Buchanan County
$11.65
$606
$24,240
1.6
$56,400
$1,410
$16,920
$423
10,889
32%
$11.06
$575
1.1
Butler County
$10.67
$555
$22,200
1.5
$44,000
$1,100
$13,200
$330
5,609
33%
$8.35
$434
1.3
Caldwell County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
954
25%
$9.39
$488
1.5
Callaway County
$11.13
$579
$23,160
1.5
$63,700
$1,593
$19,110
$478
4,090
25%
$9.94
$517
1.1
Camden County
$11.15
$580
$23,200
1.5
$51,400
$1,285
$15,420
$386
3,435
19%
$7.41
$385
1.5
Cape Girardeau County
$11.46
$596
$23,840
1.6
$54,600
$1,365
$16,380
$410
9,653
33%
$10.72
$558
1.1
Carroll County
$11.00
$572
$22,880
1.5
$53,200
$1,330
$15,960
$399
843
22%
$8.94
$465
1.2
Carter County
$10.67
$555
$22,200
1.5
$33,200
$830
$9,960
$249
555
23%
$6.50
$338
1.6
Cass County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
7,260
20%
$8.25
$429
1.8
Cedar County
$10.67
$555
$22,200
1.5
$41,200
$1,030
$12,360
$309
1,457
24%
$7.57
$394
1.4
Chariton County
$10.67
$555
$22,200
1.5
$57,000
$1,425
$17,100
$428
627
20%
$9.33
$485
1.1
Christian County
$11.75
$611
$24,440
1.6
$55,400
$1,385
$16,620
$416
6,905
24%
$8.57
$446
1.4
Clark County
$10.67
$555
$22,200
1.5
$52,900
$1,323
$15,870
$397
675
24%
$5.56
$289
1.9
Clay County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
23,603
27%
$13.29
$691
1.1
Clinton County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
1,909
24%
$7.74
$403
1.9
Cole County
$10.85
$564
$22,560
1.5
$70,000
$1,750
$21,000
$525
9,312
32%
$10.44
$543
1.0
Cooper County
$11.10
$577
$23,080
1.5
$54,300
$1,358
$16,290
$407
1,770
28%
$8.64
$449
1.3
Crawford County
$10.67
$555
$22,200
1.5
$45,000
$1,125
$13,500
$338
2,382
25%
$9.41
$489
1.1
Dade County
$10.67
$555
$22,200
1.5
$39,800
$995
$11,940
$299
738
23%
$6.98
$363
1.5
Dallas County
$10.67
$555
$22,200
1.5
$45,800
$1,145
$13,740
$344
1,173
18%
$5.98
$311
1.8
Daviess County
$10.67
$555
$22,200
1.5
$47,600
$1,190
$14,280
$357
831
25%
$8.86
$461
1.2
DeKalb County
$11.65
$606
$24,240
1.6
$56,400
$1,410
$16,920
$423
1,276
32%
$8.50
$442
1.4
Dent County
$10.67
$555
$22,200
1.5
$43,900
$1,098
$13,170
$329
1,353
22%
$8.13
$423
1.3
Douglas County
$10.67
$555
$22,200
1.5
$40,900
$1,023
$12,270
$307
882
18%
$7.93
$412
1.3
Dunklin County
$10.67
$555
$22,200
1.5
$38,000
$950
$11,400
$285
4,848
38%
$7.26
$378
1.5
Franklin County
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
8,933
23%
$9.25
$481
1.6
Gasconade County
$10.67
$555
$22,200
1.5
$50,100
$1,253
$15,030
$376
1,354
21%
$8.04
$418
1.3
Gentry County
$10.67
$555
$22,200
1.5
$49,400
$1,235
$14,820
$371
624
23%
$8.57
$446
1.2
Greene County
$11.75
$611
$24,440
1.6
$55,400
$1,385
$16,620
$416
43,165
38%
$10.66
$554
1.1
Grundy County
$10.67
$555
$22,200
1.5
$47,400
$1,185
$14,220
$356
1,261
30%
$9.91
$515
1.1
Harrison County
$11.19
$582
$23,280
1.5
$48,500
$1,213
$14,550
$364
876
25%
$7.20
$375
1.6
119
Missouri
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Henry County
$11.35
$590
$23,600
1.6
$50,100
$1,253
$15,030
$376
2,526
27%
$8.27
$430
1.4
Hickory County
$10.67
$555
$22,200
1.5
$37,200
$930
$11,160
$279
717
16%
$5.70
$296
1.9
Holt County
$10.67
$555
$22,200
1.5
$52,000
$1,300
$15,600
$390
486
22%
$8.37
$435
1.3
Howard County
$12.33
$641
$25,640
1.7
$66,000
$1,650
$19,800
$495
832
22%
$5.67
$295
2.2
Howell County
$10.67
$555
$22,200
1.5
$40,000
$1,000
$12,000
$300
4,308
28%
$8.32
$432
1.3
Iron County
$10.67
$555
$22,200
1.5
$45,500
$1,138
$13,650
$341
1,166
27%
$9.30
$484
1.1
Jackson County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
99,926
37%
$13.37
$695
1.1
Jasper County
$11.44
$595
$23,800
1.6
$48,200
$1,205
$14,460
$362
15,251
34%
$9.94
$517
1.2
Jefferson County
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
12,908
16%
$7.63
$397
2.0
Johnson County
$11.96
$622
$24,880
1.6
$60,100
$1,503
$18,030
$451
6,801
35%
$7.93
$412
1.5
Knox County
$10.67
$555
$22,200
1.5
$43,800
$1,095
$13,140
$329
439
25%
$8.31
$432
1.3
Laclede County
$10.67
$555
$22,200
1.5
$45,600
$1,140
$13,680
$342
4,184
29%
$9.94
$517
1.1
Lafayette County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
3,484
26%
$8.28
$431
1.8
Lawrence County
$10.67
$555
$22,200
1.5
$49,000
$1,225
$14,700
$368
4,137
28%
$8.05
$419
1.3
Lewis County
$10.83
$563
$22,520
1.5
$51,000
$1,275
$15,300
$383
897
24%
$8.49
$442
1.3
Lincoln County
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
3,244
18%
$8.41
$437
1.8
Linn County
$10.67
$555
$22,200
1.5
$49,700
$1,243
$14,910
$373
1,266
25%
$7.09
$369
1.5
Livingston County
$10.98
$571
$22,840
1.5
$55,300
$1,383
$16,590
$415
1,902
33%
$8.45
$439
1.3
Macon County
$10.67
$555
$22,200
1.5
$50,700
$1,268
$15,210
$380
1,490
23%
$8.93
$464
1.2
Madison County
$11.37
$591
$23,640
1.6
$43,700
$1,093
$13,110
$328
1,079
23%
$6.99
$363
1.6
Maries County
$10.67
$555
$22,200
1.5
$53,900
$1,348
$16,170
$404
649
18%
$7.64
$397
1.4
Marion County
$10.67
$555
$22,200
1.5
$52,500
$1,313
$15,750
$394
3,720
33%
$8.70
$453
1.2
McDonald County
$10.67
$555
$22,200
1.5
$46,100
$1,153
$13,830
$346
2,383
30%
$9.75
$507
1.1
Mercer County
$10.83
$563
$22,520
1.5
$47,100
$1,178
$14,130
$353
378
24%
$9.38
$488
1.2
Miller County
$11.00
$572
$22,880
1.5
$47,000
$1,175
$14,100
$353
2,575
25%
$8.89
$462
1.2
Mississippi County
$10.67
$555
$22,200
1.5
$38,000
$950
$11,400
$285
1,968
37%
$5.74
$299
1.9
Moniteau County
$11.10
$577
$23,080
1.5
$60,100
$1,503
$18,030
$451
1,187
22%
$5.89
$306
1.9
Monroe County
$11.13
$579
$23,160
1.5
$51,200
$1,280
$15,360
$384
904
24%
$8.16
$424
1.4
Montgomery County
$10.87
$565
$22,600
1.5
$49,200
$1,230
$14,760
$369
1,130
23%
$8.32
$433
1.3
Morgan County
$10.67
$555
$22,200
1.5
$45,800
$1,145
$13,740
$344
1,540
18%
$7.87
$409
1.4
New Madrid County
$10.67
$555
$22,200
1.5
$43,200
$1,080
$12,960
$324
2,753
36%
$10.37
$539
1.0
120
Missouri
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Newton County
$11.44
$595
$23,800
1.6
$48,200
$1,205
$14,460
$362
5,484
25%
$9.65
$502
1.2
Nodaway County
$10.67
$555
$22,200
1.5
$57,700
$1,443
$17,310
$433
3,288
39%
$7.38
$384
1.4
Oregon County
$10.67
$555
$22,200
1.5
$37,300
$933
$11,190
$280
1,121
25%
$6.23
$324
1.7
Osage County
$10.85
$564
$22,560
1.5
$70,000
$1,750
$21,000
$525
816
15%
$6.40
$333
1.7
Ozark County
$10.67
$555
$22,200
1.5
$41,000
$1,025
$12,300
$308
699
18%
$6.14
$319
1.7
Pemiscot County
$10.67
$555
$22,200
1.5
$36,300
$908
$10,890
$272
3,082
44%
$7.12
$370
1.5
Perry County
$11.81
$614
$24,560
1.6
$57,400
$1,435
$17,220
$431
1,688
22%
$9.71
$505
1.2
Pettis County
$11.88
$618
$24,720
1.6
$51,800
$1,295
$15,540
$389
4,644
29%
$9.57
$498
1.2
Phelps County
$12.31
$640
$25,600
1.7
$54,400
$1,360
$16,320
$408
5,766
34%
$8.05
$419
1.5
Pike County
$11.44
$595
$23,800
1.6
$52,900
$1,323
$15,870
$397
1,909
28%
$8.48
$441
1.3
Platte County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
11,330
32%
$11.77
$612
1.2
Polk County
$10.67
$555
$22,200
1.5
$49,500
$1,238
$14,850
$371
3,278
28%
$8.58
$446
1.2
Pulaski County
$11.31
$588
$23,520
1.6
$53,700
$1,343
$16,110
$403
6,751
44%
$10.36
$538
1.1
Putnam County
$12.13
$631
$25,240
1.7
$46,700
$1,168
$14,010
$350
577
26%
$8.07
$420
1.5
Ralls County
$10.67
$555
$22,200
1.5
$59,000
$1,475
$17,700
$443
753
18%
$11.09
$576
1.0
Randolph County
$11.48
$597
$23,880
1.6
$44,000
$1,100
$13,200
$330
2,397
26%
$9.74
$507
1.2
Ray County
$14.50
$754
$30,160
2.0
$73,300
$1,833
$21,990
$550
1,956
21%
$7.29
$379
2.0
Reynolds County
$10.67
$555
$22,200
1.5
$42,000
$1,050
$12,600
$315
754
26%
$7.59
$395
1.4
Ripley County
$10.67
$555
$22,200
1.5
$35,700
$893
$10,710
$268
1,481
27%
$6.80
$354
1.6
Saline County
$10.67
$555
$22,200
1.5
$50,200
$1,255
$15,060
$377
2,700
30%
$8.87
$461
1.2
Schuyler County
$10.67
$555
$22,200
1.5
$47,600
$1,190
$14,280
$357
598
29%
$8.41
$438
1.3
Scotland County
$10.67
$555
$22,200
1.5
$50,400
$1,260
$15,120
$378
412
21%
$5.87
$305
1.8
Scott County
$11.00
$572
$22,880
1.5
$49,700
$1,243
$14,910
$373
4,725
30%
$7.80
$406
1.4
Shannon County
$10.67
$555
$22,200
1.5
$36,300
$908
$10,890
$272
750
22%
$4.44
$231
2.4
Shelby County
$10.67
$555
$22,200
1.5
$43,400
$1,085
$13,020
$326
807
30%
$8.43
$438
1.3
St. Charles County
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
23,628
18%
$9.83
$511
1.6
St. Clair County
$10.67
$555
$22,200
1.5
$45,600
$1,140
$13,680
$342
827
19%
$5.58
$290
1.9
St. Francois County
$11.40
$593
$23,720
1.6
$50,700
$1,268
$15,210
$380
6,361
26%
$7.68
$399
1.5
St. Louis city
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
74,178
53%
$17.24
$896
0.9
St. Louis County
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
111,295
27%
$13.56
$705
1.1
Ste. Genevieve County
$10.96
$570
$22,800
1.5
$61,100
$1,528
$18,330
$458
1,217
17%
$10.69
$556
1.0
121
Missouri
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Stoddard County
$10.83
$563
$22,520
1.5
$46,600
$1,165
$13,980
$350
3,562
29%
$8.29
$431
Stone County
$13.54
$704
$28,160
1.9
$50,200
$1,255
$15,060
$377
3,248
24%
$7.97
$415
1.7
Sullivan County
$10.67
$555
$22,200
1.5
$36,800
$920
$11,040
$276
778
29%
$12.34
$642
0.9
Taney County
$12.94
$673
$26,920
1.8
$50,400
$1,260
$15,120
$378
6,554
32%
$9.60
$499
1.3
Texas County
$10.67
$555
$22,200
1.5
$40,400
$1,010
$12,120
$303
2,452
26%
$8.17
$425
1.3
Vernon County
$10.67
$555
$22,200
1.5
$44,500
$1,113
$13,350
$334
2,499
30%
$8.86
$461
1.2
Warren County
$15.23
$792
$31,680
2.1
$70,400
$1,760
$21,120
$528
2,618
22%
$6.41
$333
2.4
Washington County
$10.67
$555
$22,200
1.5
$43,900
$1,098
$13,170
$329
1,769
20%
$6.77
$352
1.6
Wayne County
$10.67
$555
$22,200
1.5
$40,500
$1,013
$12,150
$304
1,561
27%
$6.07
$316
1.8
Webster County
$11.75
$611
$24,440
1.6
$55,400
$1,385
$16,620
$416
3,027
23%
$8.20
$427
1.4
Worth County
$10.67
$555
$22,200
1.5
$46,000
$1,150
$13,800
$345
223
23%
$6.99
$363
1.5
Wright County
$10.67
$555
$22,200
1.5
$39,700
$993
$11,910
$298
2,134
28%
$7.20
$374
1.5
1.3
122
Montana
In Montana, the Fair Market Rent (FMR) for a two-bedroom apartment is $655. In order to afford this level of rent
Wage of:
$12.59
In Montana, a minimum wage worker earns an hourly wage of $7.65. In order to afford the FMR for a two-bedroom
In Montana, the estimated mean (average) wage for a renter is $10.16. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$655
Two-Bedroom FMR
$1,468
$127
$215
Minimum Wage Earner
$257
SSI Recipient
$446
$528
$440
$398
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
123
Montana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Montana
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.59
$655
$26,181
1.6
$58,717
$1,468
$17,615
$440
124,305
31%
$10.16
$528
1.2
$11.99
$624
$24,943
1.6
$57,378
$1,434
$17,214
$430
77,086
30%
$10.29
$535
1.2
Billings MSA
$13.71
$713
$28,520
1.8
$64,600
$1,615
$19,380
$485
18,873
30%
$10.69
$556
1.3
Great Falls MSA
$11.90
$619
$24,760
1.6
$56,300
$1,408
$16,890
$422
11,000
33%
$10.06
$523
1.2
Missoula MSA
$14.44
$751
$30,040
1.9
$59,900
$1,498
$17,970
$449
17,346
39%
$8.85
$460
1.6
Beaverhead County
$11.27
$586
$23,440
1.5
$54,400
$1,360
$16,320
$408
1,382
35%
$8.47
$440
1.3
Big Horn County
$11.04
$574
$22,960
1.4
$46,100
$1,153
$13,830
$346
1,197
33%
$14.48
$753
0.8
Blaine County
$11.04
$574
$22,960
1.4
$45,000
$1,125
$13,500
$338
855
37%
$7.25
$377
1.5
Broadwater County
$11.04
$574
$22,960
1.4
$50,400
$1,260
$15,120
$378
400
21%
$10.18
$529
1.1
Carbon County
$13.71
$713
$28,520
1.8
$64,600
$1,615
$19,380
$485
1,123
27%
$8.88
$462
1.5
Carter County
$11.04
$574
$22,960
1.4
$55,300
$1,383
$16,590
$415
145
25%
$7.00
$364
1.6
Cascade County
$11.90
$619
$24,760
1.6
$56,300
$1,408
$16,890
$422
11,000
33%
$10.06
$523
1.2
Chouteau County
$11.04
$574
$22,960
1.4
$52,300
$1,308
$15,690
$392
731
34%
$8.42
$438
1.3
Custer County
$11.04
$574
$22,960
1.4
$48,100
$1,203
$14,430
$361
1,780
34%
$13.02
$677
0.8
Daniels County
$11.04
$574
$22,960
1.4
$51,300
$1,283
$15,390
$385
140
18%
$10.11
$526
1.1
Dawson County
$11.04
$574
$22,960
1.4
$67,000
$1,675
$20,100
$503
965
26%
$9.64
$501
1.1
Deer Lodge County
$11.04
$574
$22,960
1.4
$51,900
$1,298
$15,570
$389
1,129
27%
$8.52
$443
1.3
Fallon County
$11.04
$574
$22,960
1.4
$71,200
$1,780
$21,360
$534
284
24%
$15.25
$793
0.7
Fergus County
$11.04
$574
$22,960
1.4
$47,500
$1,188
$14,250
$356
1,403
28%
$8.52
$443
1.3
Flathead County
$12.38
$644
$25,760
1.6
$57,800
$1,445
$17,340
$434
10,346
28%
$10.02
$521
1.2
Gallatin County
$13.88
$722
$28,880
1.8
$67,600
$1,690
$20,280
$507
13,467
38%
$10.86
$565
1.3
Garfield County
$11.04
$574
$22,960
1.4
$51,200
$1,280
$15,360
$384
104
21%
$6.44
$335
1.7
Glacier County
$11.04
$574
$22,960
1.4
$51,200
$1,280
$15,360
$384
1,744
41%
$9.66
$502
1.1
Golden Valley County
$11.04
$574
$22,960
1.4
$52,800
$1,320
$15,840
$396
80
24%
Granite County
$11.96
$622
$24,880
1.6
$44,300
$1,108
$13,290
$332
345
24%
$8.66
$450
1.4
Hill County
$11.04
$574
$22,960
1.4
$61,200
$1,530
$18,360
$459
1,936
32%
$7.82
$407
1.4
Jefferson County
$11.04
$574
$22,960
1.4
$69,000
$1,725
$20,700
$518
641
14%
$7.50
$390
1.5
Metropolitan Areas
Counties
124
Montana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Judith Basin County
$11.04
$574
$22,960
1.4
$52,500
$1,313
$15,750
$394
199
23%
$12.85
$668
0.9
Lake County
$11.04
$574
$22,960
1.4
$50,600
$1,265
$15,180
$380
3,853
32%
$10.14
$528
1.1
Lewis and Clark County
$12.38
$644
$25,760
1.6
$70,300
$1,758
$21,090
$527
7,088
27%
$9.72
$505
1.3
Liberty County
$11.04
$574
$22,960
1.4
$45,300
$1,133
$13,590
$340
304
37%
$9.22
$479
1.2
Lincoln County
$11.04
$574
$22,960
1.4
$42,600
$1,065
$12,780
$320
2,175
24%
$11.27
$586
1.0
Madison County
$12.06
$627
$25,080
1.6
$54,800
$1,370
$16,440
$411
1,184
31%
$11.00
$572
1.1
McCone County
$11.04
$574
$22,960
1.4
$53,300
$1,333
$15,990
$400
155
22%
$10.02
$521
1.1
Meagher County
$11.04
$574
$22,960
1.4
$41,800
$1,045
$12,540
$314
276
36%
$9.51
$495
1.2
Mineral County
$11.04
$574
$22,960
1.4
$46,600
$1,165
$13,980
$350
590
34%
$9.37
$487
1.2
Missoula County
$14.44
$751
$30,040
1.9
$59,900
$1,498
$17,970
$449
17,346
39%
$8.85
$460
1.6
Musselshell County
$11.04
$574
$22,960
1.4
$43,600
$1,090
$13,080
$327
475
23%
$7.29
$379
1.5
Park County
$12.50
$650
$26,000
1.6
$54,300
$1,358
$16,290
$407
2,070
30%
$9.86
$513
1.3
Petroleum County
$11.35
$590
$23,600
1.5
$54,700
$1,368
$16,410
$410
89
31%
Phillips County
$11.04
$574
$22,960
1.4
$50,700
$1,268
$15,210
$380
439
24%
$9.24
$480
1.2
Pondera County
$11.04
$574
$22,960
1.4
$42,200
$1,055
$12,660
$317
695
30%
$9.40
$489
1.2
Powder River County
$11.04
$574
$22,960
1.4
$51,800
$1,295
$15,540
$389
231
34%
$6.57
$341
1.7
Powell County
$11.04
$574
$22,960
1.4
$45,200
$1,130
$13,560
$339
610
25%
$9.61
$500
1.1
Prairie County
$11.35
$590
$23,600
1.5
$49,400
$1,235
$14,820
$371
65
13%
$8.94
$465
1.3
Ravalli County
$12.87
$669
$26,760
1.7
$56,800
$1,420
$17,040
$426
3,672
22%
$7.99
$415
1.6
Richland County
$11.04
$574
$22,960
1.4
$56,800
$1,420
$17,040
$426
1,367
34%
$14.95
$778
0.7
Roosevelt County
$11.04
$574
$22,960
1.4
$49,300
$1,233
$14,790
$370
1,226
36%
$8.57
$446
1.3
Rosebud County
$11.04
$574
$22,960
1.4
$57,200
$1,430
$17,160
$429
953
30%
$15.79
$821
0.7
Sanders County
$11.04
$574
$22,960
1.4
$43,100
$1,078
$12,930
$323
1,099
21%
$8.00
$416
1.4
Sheridan County
$11.04
$574
$22,960
1.4
$56,400
$1,410
$16,920
$423
415
25%
$8.08
$420
1.4
Silver Bow County
$11.04
$574
$22,960
1.4
$54,900
$1,373
$16,470
$412
5,074
34%
$9.68
$504
1.1
Stillwater County
$11.04
$574
$22,960
1.4
$69,200
$1,730
$20,760
$519
936
25%
$18.67
$971
0.6
Sweet Grass County
$11.10
$577
$23,080
1.5
$60,800
$1,520
$18,240
$456
282
19%
$14.81
$770
0.7
Teton County
$11.04
$574
$22,960
1.4
$52,500
$1,313
$15,750
$394
597
24%
$10.02
$521
1.1
Toole County
$11.04
$574
$22,960
1.4
$51,100
$1,278
$15,330
$383
734
37%
$7.16
$372
1.5
Treasure County
$11.04
$574
$22,960
1.4
$57,100
$1,428
$17,130
$428
103
32%
$12.79
$665
0.9
Valley County
$11.04
$574
$22,960
1.4
$51,800
$1,295
$15,540
$389
771
24%
$9.16
$476
1.2
125
Montana
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Wheatland County
$11.35
$590
$23,600
1.5
$51,400
$1,285
$15,420
$386
204
22%
$14.77
$768
Wibaux County
$11.04
$574
$22,960
1.4
$46,500
$1,163
$13,950
$349
81
21%
$9.68
$503
1.1
Yellowstone County
$13.71
$713
$28,520
1.8
$64,600
$1,615
$19,380
$485
17,750
30%
$10.74
$559
1.3
0.8
126
Nebraska
In Nebraska, the Fair Market Rent (FMR) for a two-bedroom apartment is $684. In order to afford this level of rent
Wage of:
$13.16
In Nebraska, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Nebraska, the estimated mean (average) wage for a renter is $10.48. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$684
Two-Bedroom FMR
$1,626
$139
$196
Minimum Wage Earner
$307
SSI Recipient
$475
$545
$488
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
127
Nebraska
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Nebraska
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.16
$684
$27,372
1.8
$65,036
$1,626
$19,511
$488
223,737
31%
$10.48
$545
1.3
$12.08
$628
$25,125
1.7
$57,078
$1,427
$17,123
$428
85,923
28%
$9.61
$500
1.3
Lincoln HMFA
$12.79
$665
$26,600
1.8
$70,500
$1,763
$21,150
$529
42,433
38%
$9.62
$500
1.3
Omaha-Council Bluffs HMFA
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
89,354
33%
$11.54
$600
1.3
Saunders County HMFA
$13.54
$704
$28,160
1.9
$70,300
$1,758
$21,090
$527
1,373
17%
$8.22
$427
1.6
Seward County HMFA
$11.23
$584
$23,360
1.5
$74,200
$1,855
$22,260
$557
1,717
27%
$7.55
$392
1.5
Sioux City MSA
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
2,937
30%
$10.21
$531
1.2
Adams County
$12.15
$632
$25,280
1.7
$58,300
$1,458
$17,490
$437
3,669
30%
$8.44
$439
1.4
Antelope County
$11.23
$584
$23,360
1.5
$46,100
$1,153
$13,830
$346
781
28%
$9.22
$479
1.2
Arthur County
$11.79
$613
$24,520
1.6
$53,900
$1,348
$16,170
$404
65
37%
Banner County
$11.23
$584
$23,360
1.5
$50,300
$1,258
$15,090
$377
108
34%
Blaine County
$11.79
$613
$24,520
1.6
$37,700
$943
$11,310
$283
84
35%
Boone County
$11.23
$584
$23,360
1.5
$54,700
$1,368
$16,410
$410
606
25%
$10.69
$556
1.1
Box Butte County
$11.23
$584
$23,360
1.5
$58,200
$1,455
$17,460
$437
1,562
33%
$8.30
$432
1.4
Boyd County
$11.23
$584
$23,360
1.5
$42,400
$1,060
$12,720
$318
232
25%
$10.00
$520
1.1
Brown County
$11.23
$584
$23,360
1.5
$48,100
$1,203
$14,430
$361
398
30%
$8.47
$441
1.3
Buffalo County
$13.00
$676
$27,040
1.8
$63,800
$1,595
$19,140
$479
5,964
35%
$9.39
$488
1.4
Burt County
$12.44
$647
$25,880
1.7
$59,200
$1,480
$17,760
$444
757
26%
$8.77
$456
1.4
Butler County
$11.23
$584
$23,360
1.5
$58,200
$1,455
$17,460
$437
853
25%
$11.87
$617
0.9
Cass County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
1,669
17%
$8.03
$418
1.8
Cedar County
$11.23
$584
$23,360
1.5
$57,300
$1,433
$17,190
$430
650
19%
$9.45
$492
1.2
Chase County
$11.23
$584
$23,360
1.5
$52,200
$1,305
$15,660
$392
413
24%
$9.22
$480
1.2
Cherry County
$12.40
$645
$25,800
1.7
$50,300
$1,258
$15,090
$377
853
34%
$8.32
$433
1.5
Cheyenne County
$11.23
$584
$23,360
1.5
$66,600
$1,665
$19,980
$500
1,301
30%
$15.87
$825
0.7
Clay County
$11.23
$584
$23,360
1.5
$54,700
$1,368
$16,410
$410
597
23%
$10.21
$531
1.1
Colfax County
$12.83
$667
$26,680
1.8
$53,800
$1,345
$16,140
$404
711
19%
$10.24
$532
1.3
Cuming County
$11.23
$584
$23,360
1.5
$58,800
$1,470
$17,640
$441
959
25%
$10.84
$564
1.0
Metropolitan Areas
Counties
128
Nebraska
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Custer County
$11.23
$584
$23,360
1.5
$53,800
$1,345
$16,140
$404
1,051
23%
$9.93
$516
1.1
Dakota County
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
2,389
33%
$10.11
$526
1.2
Dawes County
$11.23
$584
$23,360
1.5
$48,700
$1,218
$14,610
$365
1,321
37%
$6.49
$338
1.7
Dawson County
$12.10
$629
$25,160
1.7
$54,000
$1,350
$16,200
$405
2,513
28%
$8.55
$445
1.4
Deuel County
$13.04
$678
$27,120
1.8
$53,100
$1,328
$15,930
$398
202
22%
$8.25
$429
1.6
Dixon County
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
548
23%
$10.93
$568
1.1
Dodge County
$13.12
$682
$27,280
1.8
$58,900
$1,473
$17,670
$442
4,989
33%
$9.90
$515
1.3
Douglas County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
70,712
36%
$11.80
$614
1.2
Dundy County
$11.23
$584
$23,360
1.5
$57,500
$1,438
$17,250
$431
184
21%
$13.20
$687
0.9
Fillmore County
$11.40
$593
$23,720
1.6
$54,000
$1,350
$16,200
$405
584
23%
$8.65
$450
1.3
Franklin County
$11.23
$584
$23,360
1.5
$46,200
$1,155
$13,860
$347
272
20%
$11.13
$579
1.0
Frontier County
$12.15
$632
$25,280
1.7
$52,300
$1,308
$15,690
$392
282
24%
$10.29
$535
1.2
Furnas County
$11.23
$584
$23,360
1.5
$50,700
$1,268
$15,210
$380
463
22%
$9.52
$495
1.2
Gage County
$12.50
$650
$26,000
1.7
$57,700
$1,443
$17,310
$433
2,516
27%
$8.49
$441
1.5
Garden County
$11.23
$584
$23,360
1.5
$45,300
$1,133
$13,590
$340
307
32%
$9.62
$500
1.2
Garfield County
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
180
21%
$6.60
$343
1.7
Gosper County
$12.17
$633
$25,320
1.7
$52,400
$1,310
$15,720
$393
186
23%
$9.97
$519
1.2
Grant County
$11.73
$610
$24,400
1.6
$46,400
$1,160
$13,920
$348
109
37%
$10.20
$530
1.2
Greeley County
$11.23
$584
$23,360
1.5
$52,700
$1,318
$15,810
$395
167
17%
$7.97
$415
1.4
Hall County
$12.71
$661
$26,440
1.8
$57,100
$1,428
$17,130
$428
7,245
33%
$9.68
$503
1.3
Hamilton County
$12.54
$652
$26,080
1.7
$61,500
$1,538
$18,450
$461
797
23%
$10.40
$541
1.2
Harlan County
$11.23
$584
$23,360
1.5
$52,900
$1,323
$15,870
$397
276
18%
$6.86
$357
1.6
Hayes County
$11.79
$613
$24,520
1.6
$50,100
$1,253
$15,030
$376
131
30%
Hitchcock County
$11.23
$584
$23,360
1.5
$43,500
$1,088
$13,050
$326
301
24%
$16.96
$882
0.7
Holt County
$11.23
$584
$23,360
1.5
$52,800
$1,320
$15,840
$396
1,033
24%
$9.71
$505
1.2
Hooker County
$11.79
$613
$24,520
1.6
$55,200
$1,380
$16,560
$414
49
15%
$5.71
$297
2.1
Howard County
$11.81
$614
$24,560
1.6
$57,800
$1,445
$17,340
$434
582
22%
$7.52
$391
1.6
Jefferson County
$11.23
$584
$23,360
1.5
$56,500
$1,413
$16,950
$424
654
20%
$8.24
$429
1.4
Johnson County
$12.62
$656
$26,240
1.7
$58,600
$1,465
$17,580
$440
487
25%
$9.71
$505
1.3
Kearney County
$11.48
$597
$23,880
1.6
$64,600
$1,615
$19,380
$485
543
21%
$8.33
$433
1.4
Keith County
$14.56
$757
$30,280
2.0
$55,400
$1,385
$16,620
$416
1,010
27%
$9.30
$483
1.6
129
Nebraska
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Keya Paha County
$11.23
$584
$23,360
1.5
$45,300
$1,133
$13,590
$340
56
16%
Kimball County
$11.23
$584
$23,360
1.5
$53,100
$1,328
$15,930
$398
485
29%
$12.12
$630
0.9
Knox County
$11.23
$584
$23,360
1.5
$52,100
$1,303
$15,630
$391
947
25%
$6.70
$348
1.7
Lancaster County
$12.79
$665
$26,600
1.8
$70,500
$1,763
$21,150
$529
42,433
38%
$9.62
$500
1.3
Lincoln County
$13.27
$690
$27,600
1.8
$63,000
$1,575
$18,900
$473
4,765
32%
$9.20
$478
1.4
Logan County
$13.98
$727
$29,080
1.9
$52,600
$1,315
$15,780
$395
102
32%
$10.33
$537
1.4
Loup County
$11.79
$613
$24,520
1.6
$45,300
$1,133
$13,590
$340
36
15%
Madison County
$11.88
$618
$24,720
1.6
$60,800
$1,520
$18,240
$456
4,381
32%
$8.68
$452
1.4
McPherson County
$11.79
$613
$24,520
1.6
$61,200
$1,530
$18,360
$459
84
41%
Merrick County
$11.23
$584
$23,360
1.5
$57,100
$1,428
$17,130
$428
841
27%
$7.77
$404
1.4
Morrill County
$11.67
$607
$24,280
1.6
$49,600
$1,240
$14,880
$372
689
32%
$11.03
$573
1.1
Nance County
$11.23
$584
$23,360
1.5
$54,000
$1,350
$16,200
$405
367
24%
$7.40
$385
1.5
Nemaha County
$11.23
$584
$23,360
1.5
$58,300
$1,458
$17,490
$437
870
29%
$6.72
$350
1.7
Nuckolls County
$11.23
$584
$23,360
1.5
$42,600
$1,065
$12,780
$320
419
20%
$10.02
$521
1.1
Otoe County
$12.04
$626
$25,040
1.7
$60,100
$1,503
$18,030
$451
1,652
26%
$8.37
$435
1.4
Pawnee County
$11.23
$584
$23,360
1.5
$52,400
$1,310
$15,720
$393
285
22%
$9.92
$516
1.1
Perkins County
$11.23
$584
$23,360
1.5
$59,000
$1,475
$17,700
$443
331
27%
$13.54
$704
0.8
Phelps County
$11.23
$584
$23,360
1.5
$61,800
$1,545
$18,540
$464
973
25%
$11.41
$593
1.0
Pierce County
$11.23
$584
$23,360
1.5
$61,400
$1,535
$18,420
$461
509
17%
$8.15
$424
1.4
Platte County
$11.88
$618
$24,720
1.6
$62,700
$1,568
$18,810
$470
3,249
26%
$10.91
$567
1.1
Polk County
$11.23
$584
$23,360
1.5
$59,700
$1,493
$17,910
$448
556
25%
$10.52
$547
1.1
Red Willow County
$11.23
$584
$23,360
1.5
$56,300
$1,408
$16,890
$422
1,415
30%
$8.99
$468
1.2
Richardson County
$11.23
$584
$23,360
1.5
$51,000
$1,275
$15,300
$383
915
24%
$7.29
$379
1.5
Rock County
$11.23
$584
$23,360
1.5
$46,100
$1,153
$13,830
$346
106
15%
$13.53
$704
0.8
Saline County
$13.12
$682
$27,280
1.8
$58,700
$1,468
$17,610
$440
1,665
33%
$12.82
$667
1.0
Sarpy County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
15,597
28%
$10.48
$545
1.4
Saunders County
$13.54
$704
$28,160
1.9
$70,300
$1,758
$21,090
$527
1,373
17%
$8.22
$427
1.6
Scotts Bluff County
$11.85
$616
$24,640
1.6
$52,900
$1,323
$15,870
$397
5,148
35%
$10.12
$526
1.2
Seward County
$11.23
$584
$23,360
1.5
$74,200
$1,855
$22,260
$557
1,717
27%
$7.55
$392
1.5
Sheridan County
$11.23
$584
$23,360
1.5
$43,600
$1,090
$13,080
$327
732
30%
$8.25
$429
1.4
Sherman County
$11.23
$584
$23,360
1.5
$50,500
$1,263
$15,150
$379
208
15%
$9.13
$475
1.2
130
Nebraska
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Sioux County
$11.23
$584
$23,360
1.5
$55,500
$1,388
$16,650
$416
169
28%
Stanton County
$11.23
$584
$23,360
1.5
$57,400
$1,435
$17,220
$431
531
22%
$20.16
$1,048
0.6
Thayer County
$11.85
$616
$24,640
1.6
$52,800
$1,320
$15,840
$396
391
17%
$10.99
$571
1.1
Thomas County
$11.35
$590
$23,600
1.6
$63,500
$1,588
$19,050
$476
76
23%
$17.88
$930
0.6
Thurston County
$11.33
$589
$23,560
1.6
$51,100
$1,278
$15,330
$383
706
34%
$10.52
$547
1.1
Valley County
$11.23
$584
$23,360
1.5
$49,500
$1,238
$14,850
$371
433
23%
$4.62
$240
2.4
Washington County
$14.44
$751
$30,040
2.0
$71,500
$1,788
$21,450
$536
1,376
19%
$10.62
$552
1.4
Wayne County
$11.23
$584
$23,360
1.5
$59,100
$1,478
$17,730
$443
994
30%
$6.67
$347
1.7
Webster County
$11.23
$584
$23,360
1.5
$48,500
$1,213
$14,550
$364
359
24%
$7.10
$369
1.6
Wheeler County
$11.79
$613
$24,520
1.6
$61,600
$1,540
$18,480
$462
107
32%
$14.60
$759
0.8
York County
$11.48
$597
$23,880
1.6
$62,600
$1,565
$18,780
$470
1,374
24%
$9.45
$492
1.2
131
Nevada
In Nevada, the Fair Market Rent (FMR) for a two-bedroom apartment is $987. In order to afford this level of rent and
$18.98
In Nevada, a minimum wage worker earns an hourly wage of $8.25. In order to afford the FMR for a two-bedroom
In Nevada, the estimated mean (average) wage for a renter is $14.36. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$987
Two-Bedroom FMR
$1,645
$240
$494
Minimum Wage Earner
$558
SSI Recipient
$767
$747

$493
$429
Minimum Wage Earner

SSI Recipient
$220
$0
$500
$1,000
$1,500
$2,000
132
Nevada
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Nevada
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.98
$987
$39,481
2.3
$65,786
$1,645
$19,736
$493
390,571
40%
$14.36
$747
1.3
$14.78
$768
$30,737
1.8
$66,237
$1,656
$19,871
$497
27,708
28%
$15.49
$805
1.0
Metropolitan Areas
Carson City MSA
$16.52
$859
$34,360
2.0
$69,300
$1,733
$20,790
$520
8,086
38%
$13.55
$704
1.2
Las Vegas-Paradise MSA *
$19.69
$1,024
$40,960
2.4
$64,300
$1,608
$19,290
$482
290,654
42%
$14.62
$760
1.3
Reno-Sparks MSA
$17.88
$930
$37,200
2.2
$71,400
$1,785
$21,420
$536
64,123
39%
$12.79
$665
1.4
Carson City
$16.52
$859
$34,360
2.0
$69,300
$1,733
$20,790
$520
8,086
38%
$13.55
$704
1.2
Churchill County
$15.40
$801
$32,040
1.9
$67,000
$1,675
$20,100
$503
3,125
36%
$14.35
$746
1.1
Clark County *
$19.69
$1,024
$40,960
2.4
$64,300
$1,608
$19,290
$482
290,654
42%
$14.62
$760
1.3
Douglas County
$17.71
$921
$36,840
2.1
$76,900
$1,923
$23,070
$577
4,570
24%
$12.99
$675
1.4
Elko County
$13.85
$720
$28,800
1.7
$77,700
$1,943
$23,310
$583
5,011
29%
$13.98
$727
1.0
Esmeralda County
$11.23
$584
$23,360
1.4
$57,600
$1,440
$17,280
$432
179
35%
Eureka County
$14.52
$755
$30,200
1.8
$72,900
$1,823
$21,870
$547
195
27%
$49.13
$2,555
0.3
Humboldt County
$12.31
$640
$25,600
1.5
$73,300
$1,833
$21,990
$550
1,680
28%
$14.81
$770
0.8
Lander County
$11.48
$597
$23,880
1.4
$62,800
$1,570
$18,840
$471
543
28%
$12.41
$646
0.9
Lincoln County
$15.81
$822
$32,880
1.9
$59,300
$1,483
$17,790
$445
502
29%
$7.65
$398
2.1
Lyon County
$14.19
$738
$29,520
1.7
$59,200
$1,480
$17,760
$444
4,938
28%
$11.98
$623
1.2
Mineral County
$14.52
$755
$30,200
1.8
$51,500
$1,288
$15,450
$386
511
22%
$18.16
$944
0.8
Nye County
$15.06
$783
$31,320
1.8
$53,900
$1,348
$16,170
$404
5,056
28%
$13.92
$724
1.1
Pershing County
$11.85
$616
$24,640
1.4
$60,100
$1,503
$18,030
$451
585
30%
$13.58
$706
0.9
Storey County
$17.88
$930
$37,200
2.2
$71,400
$1,785
$21,420
$536
179
10%
$14.60
$759
1.2
Washoe County
$17.88
$930
$37,200
2.2
$71,400
$1,785
$21,420
$536
63,944
40%
$12.76
$664
1.4
White Pine County
$13.21
$687
$27,480
1.6
$54,300
$1,358
$16,290
$407
813
23%
$12.67
$659
1.0
Counties
133
New Hampshire
In New Hampshire, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,003. In order to afford this level
of rent and utilities without paying more than 30% of income on housing a household must earn $3,343 monthly
or $40,121 annually. Assuming a 40-hour work week, 52 weeks per year, this level of income translates into a
Housing Wage of:
$19.29
In New Hampshire, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 106 hours per week, 52 weeks per year. Or a household
FMR affordable.
In New Hampshire, the estimated mean (average) wage for a renter is $13.13. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 59 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$1,003
Two-Bedroom FMR
$2,015
$320
$399
Minimum Wage Earner
$626
SSI Recipient
$794
$683
$604
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
$2,500
134
New Hampshire FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
New Hampshire
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$19.29
$1,003
$40,121
2.7
$80,580
$2,015
$24,174
$604
140,567
27%
$13.13
$683
1.5
$17.42
$906
$36,225
2.4
$70,725
$1,768
$21,217
$530
53,196
27%
$12.34
$641
1.4
Boston-Cambridge-Quincy HMFA
$26.33
$1,369
$54,760
3.6
$97,800
$2,445
$29,340
$734
1,235
29%
$12.66
$658
2.1
Hillsborough County HMFA
$16.44
$855
$34,200
2.3
$79,800
$1,995
$23,940
$599
2,380
19%
$14.52
$755
1.1
Lawrence HMFA
$21.10
$1,097
$43,880
2.9
$88,300
$2,208
$26,490
$662
9,497
18%
$12.66
$658
1.7
Manchester HMFA
$19.37
$1,007
$40,280
2.7
$77,000
$1,925
$23,100
$578
24,827
40%
$14.52
$755
1.3
Nashua HMFA
$21.21
$1,103
$44,120
2.9
$94,000
$2,350
$28,200
$705
20,302
26%
$14.52
$755
1.5
Portsmouth-Rochester HMFA
$20.58
$1,070
$42,800
2.8
$84,200
$2,105
$25,260
$632
27,618
31%
$12.46
$648
1.7
Western Rockingham County HMFA
$21.96
$1,142
$45,680
3.0
$101,100
$2,528
$30,330
$758
1,512
9%
$12.66
$658
1.7
Belknap County
$16.90
$879
$35,160
2.3
$68,600
$1,715
$20,580
$515
5,769
23%
$10.42
$542
Carroll County
$17.04
$886
$35,440
2.4
$65,500
$1,638
$19,650
$491
3,862
19%
$8.35
$434
2.0
Cheshire County
$18.31
$952
$38,080
2.5
$70,700
$1,768
$21,210
$530
8,573
28%
$11.60
$603
1.6
Coos County
$11.62
$604
$24,160
1.6
$56,800
$1,420
$17,040
$426
4,258
29%
Grafton County
$17.52
$911
$36,440
2.4
$69,700
$1,743
$20,910
$523
10,012
29%
$16.66
$866
1.1
Merrimack County
$19.15
$996
$39,840
2.6
$79,500
$1,988
$23,850
$596
15,928
28%
$11.32
$589
1.7
Sullivan County
$15.90
$827
$33,080
2.2
$65,300
$1,633
$19,590
$490
4,794
26%
$11.51
$599
1.4
Metropolitan Areas
Counties
1.6
135
Towns within New Hampshire FMR Areas

Boston-Cambridge-Quincy, MA-NH HMFA
Rockingham County
Seabrook town, South Hampton town
Hillsborough County, NH (part) HMFA
Hillsborough County
Antrim town, Bennington town, Deering town, Francestown town, Greenfield town, Hancock town, Hillsborough town, Lyndeborough town, New Boston town,
Peterborough town, Sharon town, Temple town, Windsor town
Lawrence, MA-NH HMFA
Rockingham County
Atkinson town, Chester town, Danville town, Derry town, Fremont town, Hampstead town, Kingston town, Newton town, Plaistow town, Raymond town, Salem
town, Sandown town, Windham town
Manchester, NH HMFA
Hillsborough County
Bedford town, Goffstown town, Manchester city, Weare town
Nashua, NH HMFA
Hillsborough County
Amherst town, Brookline town, Greenville town, Hollis town, Hudson town, Litchfield town, Mason town, Merrimack town, Milford town, Mont Vernon town,
Nashua city, New Ipswich town, Pelham town, Wilton town
Portsmouth-Rochester, NH HMFA
Rockingham County
Brentwood town, East Kingston town, Epping town, Exeter town, Greenland town, Hampton Falls town, Hampton town, Kensington town, New Castle town,
Newfields town, Newington town, Newmarket town, North Hampton town, Portsmouth city, Rye town, Stratham town
Strafford County
Barrington town, Dover city, Durham town, Farmington town, Lee town, Madbury town, Middleton town, Milton town, New Durham town, Rochester city,
Rollinsford town, Somersworth city, Strafford town
Western Rockingham County, NH HMFA
Rockingham County
Auburn town, Candia town, Deerfield town, Londonderry town, Northwood town, Nottingham town
136
New Jersey
In New Jersey, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,302. In order to afford this level of
Wage of:
$25.04
In New Jersey, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In New Jersey, the estimated mean (average) wage for a renter is $16.40. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 61 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$1,302
Two-Bedroom FMR
$2,217
$449
$637
Minimum Wage Earner
$925
$853
$665

$377
Minimum Wage Earner

SSI Recipient
$219
$0
SSI Recipient
$500
$1,000
$1,500
$2,000
$1,083
$2,500
137
New Jersey
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
New Jersey
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
$25.04
$1,302
$52,081
3.5
$88,689
$2,217
$26,607
$665
Atlantic City-Hammonton MSA
$21.54
$1,120
$44,800
3.0
$72,100
$1,803
$21,630
Bergen-Passaic HMFA *
$29.13
$1,515
$60,600
4.0
$94,600
$2,365
$28,380
Jersey City HMFA
$24.35
$1,266
$50,640
3.4
$61,200
$1,530
Middlesex-Somerset-Hunterdon HMFA
$25.46
$1,324
$52,960
3.5
$105,000
Monmouth-Ocean HMFA
$27.25
$1,417
$56,680
3.8
Newark HMFA
$24.79
$1,289
$51,560
3.4
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
1,049,790
33%
$16.40
$853
1.5
$541
29,760
29%
$10.31
$536
2.1
$710
180,855
37%
$16.88
$878
1.7
$18,360
$459
156,083
66%
$26.78
$1,392
0.9
$2,625
$31,500
$788
121,639
28%
$19.07
$991
1.3
$91,700
$2,293
$27,510
$688
95,216
21%
$11.15
$580
2.4
$90,700
$2,268
$27,210
$680
267,914
38%
$18.27
$950
1.4
Metropolitan Areas
Ocean City MSA
$20.75
$1,079
$43,160
2.9
$71,100
$1,778
$21,330
$533
11,651
26%
$9.57
$497
2.2
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
118,522
25%
$12.11
$630
1.7
Trenton-Ewing MSA
$24.37
$1,267
$50,680
3.4
$95,700
$2,393
$28,710
$718
41,513
32%
$16.00
$832
1.5
Vineland-Millville-Bridgeton MSA
$19.56
$1,017
$40,680
2.7
$63,300
$1,583
$18,990
$475
16,564
33%
$9.43
$490
2.1
Warren County HMFA
$21.37
$1,111
$44,440
2.9
$89,200
$2,230
$26,760
$669
10,073
24%
$11.73
$610
1.8
Counties
Atlantic County
$21.54
$1,120
$44,800
3.0
$72,100
$1,803
$21,630
$541
29,760
29%
$10.31
$536
2.1
Bergen County *
$29.13
$1,515
$60,600
4.0
$94,600
$2,365
$28,380
$710
108,622
33%
$18.16
$945
1.6
Burlington County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
34,706
21%
$14.10
$733
1.5
Camden County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
57,762
30%
$11.72
$610
1.8
Cape May County
$20.75
$1,079
$43,160
2.9
$71,100
$1,778
$21,330
$533
11,651
26%
$9.57
$497
2.2
Cumberland County
$19.56
$1,017
$40,680
2.7
$63,300
$1,583
$18,990
$475
16,564
33%
$9.43
$490
2.1
Essex County
$24.79
$1,289
$51,560
3.4
$90,700
$2,268
$27,210
$680
146,457
53%
$18.23
$948
1.4
Gloucester County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
19,586
19%
$8.92
$464
2.3
Hudson County
$24.35
$1,266
$50,640
3.4
$61,200
$1,530
$18,360
$459
156,083
66%
$26.78
$1,392
0.9
Hunterdon County
$25.46
$1,324
$52,960
3.5
$105,000
$2,625
$31,500
$788
6,815
14%
$11.93
$620
2.1
Mercer County
$24.37
$1,267
$50,680
3.4
$95,700
$2,393
$28,710
$718
41,513
32%
$16.00
$832
1.5
Middlesex County
$25.46
$1,324
$52,960
3.5
$105,000
$2,625
$31,500
$788
91,579
33%
$19.03
$989
1.3
Monmouth County
$27.25
$1,417
$56,680
3.8
$91,700
$2,293
$27,510
$688
56,147
24%
$11.18
$581
2.4
Morris County
$24.79
$1,289
$51,560
3.4
$90,700
$2,268
$27,210
$680
41,832
23%
$19.95
$1,037
1.2
138
New Jersey
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Ocean County
$27.25
$1,417
$56,680
3.8
$91,700
$2,293
$27,510
$688
39,069
18%
$11.11
$578
2.5
Passaic County *
$29.13
$1,515
$60,600
4.0
$94,600
$2,365
$28,380
$710
72,233
45%
$13.41
$697
2.2
Salem County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
6,468
26%
$11.83
$615
1.7
Somerset County
$25.46
$1,324
$52,960
3.5
$105,000
$2,625
$31,500
$788
23,245
20%
$20.99
$1,092
1.2
Sussex County
$24.79
$1,289
$51,560
3.4
$90,700
$2,268
$27,210
$680
8,482
15%
$8.59
$446
2.9
Union County
$24.79
$1,289
$51,560
3.4
$90,700
$2,268
$27,210
$680
71,143
38%
$17.79
$925
1.4
Warren County
$21.37
$1,111
$44,440
2.9
$89,200
$2,230
$26,760
$669
10,073
24%
$11.73
$610
1.8
139
New Mexico
In New Mexico, the Fair Market Rent (FMR) for a two-bedroom apartment is $660. In order to afford this level of
Wage of:
$12.70
In New Mexico, a minimum wage worker earns an hourly wage of $7.50. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 68 hours per week, 52 weeks per year. Or a household must
include 1.7 minimum wage earners working 40 hours per week year-round in order to make the two-bedroom FMR
affordable.
In New Mexico, the estimated mean (average) wage for a renter is $11.88. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 43 hours per week, 52 weeks per year. Or, working 40 hours per
$660
Two-Bedroom FMR
$1,406
$42
$238
Minimum Wage Earner
$270
SSI Recipient
$451
$618

$422
$390
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
Gap between Rent

Affordable and
FMR
$1,500
140
New Mexico
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
New Mexico
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.70
$660
$26,406
1.7
$56,257
$1,406
$16,877
$422
229,527
30%
$11.88
$618
1.1
$11.11
$578
$23,104
1.5
$49,007
$1,225
$14,702
$368
69,800
28%
$12.01
$625
0.9
Albuquerque MSA
$13.48
$701
$28,040
1.8
$61,900
$1,548
$18,570
$464
106,770
32%
$12.02
$625
1.1
Farmington MSA
$12.56
$653
$26,120
1.7
$56,900
$1,423
$17,070
$427
10,904
26%
$14.82
$770
0.8
Las Cruces MSA
$10.88
$566
$22,640
1.5
$43,800
$1,095
$13,140
$329
24,733
34%
$8.74
$454
1.2
Santa Fe MSA
$16.92
$880
$35,200
2.3
$68,700
$1,718
$20,610
$515
17,320
29%
$11.58
$602
1.5
Metropolitan Areas
Counties
Bernalillo County
$13.48
$701
$28,040
1.8
$61,900
$1,548
$18,570
$464
91,862
35%
$12.13
$631
1.1
Catron County
$10.42
$542
$21,680
1.4
$43,500
$1,088
$13,050
$326
253
14%
$7.57
$394
1.4
Chaves County
$10.42
$542
$21,680
1.4
$42,900
$1,073
$12,870
$322
7,219
31%
$9.77
$508
1.1
Cibola County
$10.42
$542
$21,680
1.4
$43,500
$1,088
$13,050
$326
2,561
32%
$9.33
$485
1.1
Colfax County
$10.92
$568
$22,720
1.5
$52,900
$1,323
$15,870
$397
1,841
32%
$8.13
$423
1.3
Curry County
$10.42
$542
$21,680
1.4
$45,900
$1,148
$13,770
$344
6,690
39%
$9.69
$504
1.1
De Baca County
$10.42
$542
$21,680
1.4
$36,900
$923
$11,070
$277
161
21%
$6.84
$356
1.5
Dona Ana County
$10.88
$566
$22,640
1.5
$43,800
$1,095
$13,140
$329
24,733
34%
$8.74
$454
1.2
Eddy County
$10.92
$568
$22,720
1.5
$58,400
$1,460
$17,520
$438
4,889
25%
$16.22
$843
0.7
Grant County
$10.42
$542
$21,680
1.4
$46,100
$1,153
$13,830
$346
2,881
23%
$10.73
$558
1.0
Guadalupe County
$10.42
$542
$21,680
1.4
$38,600
$965
$11,580
$290
336
23%
$9.47
$492
1.1
Harding County
$10.42
$542
$21,680
1.4
$48,900
$1,223
$14,670
$367
28
9%
Hidalgo County
$10.42
$542
$21,680
1.4
$50,200
$1,255
$15,060
$377
526
31%
$3.97
$207
2.6
Lea County
$10.96
$570
$22,800
1.5
$49,200
$1,230
$14,760
$369
6,157
29%
$15.81
$822
0.7
Lincoln County
$12.38
$644
$25,760
1.7
$56,700
$1,418
$17,010
$425
1,942
23%
$8.19
$426
1.5
Los Alamos County
$18.15
$944
$37,760
2.4
$125,100
$3,128
$37,530
$938
1,726
23%
$20.21
$1,051
0.9
Luna County
$10.42
$542
$21,680
1.4
$34,500
$863
$10,350
$259
2,803
30%
$8.47
$440
1.2
McKinley County
$10.42
$542
$21,680
1.4
$41,000
$1,025
$12,300
$308
4,686
27%
$9.85
$512
1.1
Mora County
$10.42
$542
$21,680
1.4
$41,200
$1,030
$12,360
$309
298
16%
$11.14
$579
0.9
Otero County
$10.42
$542
$21,680
1.4
$47,400
$1,185
$14,220
$356
7,797
32%
$10.64
$553
1.0
Quay County
$10.42
$542
$21,680
1.4
$45,800
$1,145
$13,740
$344
996
26%
$7.97
$414
1.3
141
New Mexico
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Rio Arriba County
$12.33
$641
$25,640
1.6
$51,400
$1,285
$15,420
$386
3,016
20%
$11.01
$573
Roosevelt County
$10.42
$542
$21,680
1.4
$44,500
$1,113
$13,350
$334
2,515
37%
$7.86
$409
1.3
San Juan County
$12.56
$653
$26,120
1.7
$56,900
$1,423
$17,070
$427
10,904
26%
$14.82
$770
0.8
San Miguel County
$10.79
$561
$22,440
1.4
$43,800
$1,095
$13,140
$329
3,910
33%
$7.46
$388
1.4
Sandoval County
$13.48
$701
$28,040
1.8
$61,900
$1,548
$18,570
$464
8,384
19%
$13.45
$699
1.0
Santa Fe County
$16.92
$880
$35,200
2.3
$68,700
$1,718
$20,610
$515
17,320
29%
$11.58
$602
1.5
Sierra County
$10.92
$568
$22,720
1.5
$36,800
$920
$11,040
$276
1,031
22%
$7.39
$384
1.5
Socorro County
$10.56
$549
$21,960
1.4
$44,600
$1,115
$13,380
$335
1,558
26%
$7.85
$408
1.3
Taos County
$14.98
$779
$31,160
2.0
$45,400
$1,135
$13,620
$341
3,522
27%
$9.34
$486
1.6
Torrance County
$13.48
$701
$28,040
1.8
$61,900
$1,548
$18,570
$464
1,040
18%
$6.98
$363
1.9
Union County
$10.42
$542
$21,680
1.4
$42,600
$1,065
$12,780
$320
458
26%
$11.75
$611
0.9
Valencia County
$13.48
$701
$28,040
1.8
$61,900
$1,548
$18,570
$464
5,484
20%
$7.17
$373
1.9
1.1
142
New York
In New York, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,283. In order to afford this level of rent
Wage of:
$24.68
In New York, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In New York, the estimated mean (average) wage for a renter is $21.45. In order to afford the FMR for a two-bedroom
FMR affordable.
$1,283
Two-Bedroom FMR
$1,851
$168
$728
Minimum Wage Earner
$906
$1,115

$555
$377
Minimum Wage Earner

SSI Recipient
$236
$0
$500
Gap between Rent

Affordable and
FMR
SSI Recipient
$1,000
$1,500
$1,047
$2,000
143
New York
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
New York
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$24.68
$1,283
$51,337
3.4
$74,049
$1,851
$22,215
$555
3,228,552
45%
$21.45
$1,115
1.2
$14.61
$760
$30,387
2.0
$57,153
$1,429
$17,146
$429
175,787
29%
$9.76
$508
1.5
Albany-Schenectady-Troy MSA
$16.73
$870
$34,800
2.3
$78,100
$1,953
$23,430
$586
116,988
34%
$12.82
$667
1.3
Binghamton MSA
$13.63
$709
$28,360
1.9
$61,800
$1,545
$18,540
$464
31,062
31%
$10.49
$546
1.3
Buffalo-Niagara Falls MSA
$13.83
$719
$28,760
1.9
$66,100
$1,653
$19,830
$496
153,473
33%
$10.18
$529
1.4
Elmira MSA
$14.79
$769
$30,760
2.0
$56,900
$1,423
$17,070
$427
11,297
32%
$9.94
$517
1.5
Glens Falls MSA
$16.13
$839
$33,560
2.2
$62,600
$1,565
$18,780
$470
15,375
29%
$10.51
$546
1.5
Ithaca MSA
$18.58
$966
$38,640
2.6
$73,800
$1,845
$22,140
$554
17,289
45%
$13.17
$685
1.4
Metropolitan Areas
Kingston MSA
$21.12
$1,098
$43,920
2.9
$73,900
$1,848
$22,170
$554
21,488
30%
$9.90
$515
2.1
Nassau-Suffolk HMFA
$32.35
$1,682
$67,280
4.5
$107,500
$2,688
$32,250
$806
171,663
18%
$13.41
$697
2.4
New York HMFA
$27.38
$1,424
$56,960
3.8
$66,169
$1,654
$19,851
$496
2,074,213
65%
$32.23
$1,676
0.8
Poughkeepsie-Newburgh-Middletown MSA
$22.87
$1,189
$47,560
3.2
$87,200
$2,180
$26,160
$654
67,220
29%
$10.94
$569
2.1
Rochester MSA
$15.37
$799
$31,960
2.1
$68,700
$1,718
$20,610
$515
125,668
31%
$10.68
$555
1.4
Syracuse MSA
$14.42
$750
$30,000
2.0
$66,600
$1,665
$19,980
$500
80,967
32%
$10.87
$565
1.3
Utica-Rome MSA
$13.87
$721
$28,840
1.9
$58,800
$1,470
$17,640
$441
37,020
31%
$8.97
$466
1.5
Westchester County
$30.38
$1,580
$63,200
4.2
$107,900
$2,698
$32,370
$809
129,042
37%
$17.68
$919
1.7
Counties
Albany County
$16.73
$870
$34,800
2.3
$78,100
$1,953
$23,430
$586
51,137
41%
$13.61
$708
Allegany County
$13.35
$694
$27,760
1.8
$53,200
$1,330
$15,960
$399
4,637
24%
$7.99
$415
1.2
1.7
Bronx County
$27.38
$1,424
$56,960
3.8
$65,000
$1,625
$19,500
$488
374,678
79%
$17.59
$915
1.6
Broome County
$13.63
$709
$28,360
1.9
$61,800
$1,545
$18,540
$464
26,976
33%
$10.03
$521
1.4
Cattaraugus County
$13.90
$723
$28,920
1.9
$53,000
$1,325
$15,900
$398
8,703
27%
$9.47
$493
1.5
Cayuga County
$13.77
$716
$28,640
1.9
$62,000
$1,550
$18,600
$465
9,027
28%
$9.21
$479
1.5
Chautauqua County
$13.79
$717
$28,680
1.9
$54,100
$1,353
$16,230
$406
16,616
30%
$8.05
$418
1.7
Chemung County
$14.79
$769
$30,760
2.0
$56,900
$1,423
$17,070
$427
11,297
32%
$9.94
$517
1.5
Chenango County
$13.44
$699
$27,960
1.9
$56,600
$1,415
$16,980
$425
4,557
23%
$10.93
$568
1.2
Clinton County
$15.15
$788
$31,520
2.1
$63,300
$1,583
$18,990
$475
9,213
30%
$9.46
$492
1.6
Columbia County
$16.04
$834
$33,360
2.2
$71,000
$1,775
$21,300
$533
6,882
27%
$10.48
$545
1.5
144
New York
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Cortland County
$14.56
$757
$30,280
2.0
$59,800
$1,495
$17,940
$449
6,039
34%
$9.78
$509
1.5
Delaware County
$13.38
$696
$27,840
1.8
$54,400
$1,360
$16,320
$408
4,853
24%
$11.60
$603
1.2
Dutchess County
$22.87
$1,189
$47,560
3.2
$87,200
$2,180
$26,160
$654
31,474
29%
$12.56
$653
1.8
Erie County
$13.83
$719
$28,760
1.9
$66,100
$1,653
$19,830
$496
127,842
34%
$10.43
$542
1.3
Essex County
$14.85
$772
$30,880
2.0
$60,100
$1,503
$18,030
$451
4,342
27%
$11.32
$588
1.3
Franklin County
$13.90
$723
$28,920
1.9
$52,100
$1,303
$15,630
$391
5,236
27%
$8.10
$421
1.7
Fulton County
$13.73
$714
$28,560
1.9
$51,500
$1,288
$15,450
$386
6,956
30%
$9.75
$507
1.4
Genesee County
$15.31
$796
$31,840
2.1
$60,800
$1,520
$18,240
$456
6,246
26%
$8.99
$467
1.7
Greene County
$15.10
$785
$31,400
2.1
$59,000
$1,475
$17,700
$443
4,882
26%
$10.45
$544
1.4
Hamilton County
$14.08
$732
$29,280
1.9
$59,800
$1,495
$17,940
$449
433
18%
$7.03
$366
2.0
Herkimer County
$13.87
$721
$28,840
1.9
$58,800
$1,470
$17,640
$441
7,477
28%
$8.13
$423
1.7
Jefferson County
$16.12
$838
$33,520
2.2
$54,800
$1,370
$16,440
$411
18,875
43%
$11.96
$622
1.3
Kings County
$27.38
$1,424
$56,960
3.8
$65,000
$1,625
$19,500
$488
629,788
70%
$15.24
$793
1.8
Lewis County
$13.10
$681
$27,240
1.8
$51,200
$1,280
$15,360
$384
2,389
22%
$9.55
$497
1.4
Livingston County
$15.37
$799
$31,960
2.1
$68,700
$1,718
$20,610
$515
5,868
24%
$7.29
$379
2.1
Madison County
$14.42
$750
$30,000
2.0
$66,600
$1,665
$19,980
$500
6,409
24%
$10.08
$524
1.4
Monroe County
$15.37
$799
$31,960
2.1
$68,700
$1,718
$20,610
$515
96,923
33%
$11.27
$586
1.4
Montgomery County
$14.42
$750
$30,000
2.0
$56,800
$1,420
$17,040
$426
6,280
31%
$10.19
$530
1.4
Nassau County
$32.35
$1,682
$67,280
4.5
$107,500
$2,688
$32,250
$806
79,467
18%
$13.04
$678
2.5
New York County
$27.38
$1,424
$56,960
3.8
$65,000
$1,625
$19,500
$488
565,173
77%
$44.13
$2,295
0.6
Niagara County
$13.83
$719
$28,760
1.9
$66,100
$1,653
$19,830
$496
25,631
29%
$8.47
$440
1.6
Oneida County
$13.87
$721
$28,840
1.9
$58,800
$1,470
$17,640
$441
29,543
32%
$9.09
$473
1.5
Onondaga County
$14.42
$750
$30,000
2.0
$66,600
$1,665
$19,980
$500
62,496
34%
$11.14
$579
1.3
Ontario County
$15.37
$799
$31,960
2.1
$68,700
$1,718
$20,610
$515
10,521
24%
$8.75
$455
1.8
Orange County
$22.87
$1,189
$47,560
3.2
$87,200
$2,180
$26,160
$654
35,746
29%
$9.52
$495
2.4
Orleans County
$15.37
$799
$31,960
2.1
$68,700
$1,718
$20,610
$515
3,665
23%
$7.85
$408
2.0
Oswego County
$14.42
$750
$30,000
2.0
$66,600
$1,665
$19,980
$500
12,062
26%
$9.21
$479
1.6
Otsego County
$16.17
$841
$33,640
2.2
$58,100
$1,453
$17,430
$436
6,852
27%
$9.19
$478
1.8
Putnam County
$27.38
$1,424
$56,960
3.8
$65,000
$1,625
$19,500
$488
5,364
15%
$9.96
$518
2.7
Queens County
$27.38
$1,424
$56,960
3.8
$65,000
$1,625
$19,500
$488
422,201
55%
$17.23
$896
1.6
Rensselaer County
$16.73
$870
$34,800
2.3
$78,100
$1,953
$23,430
$586
22,167
35%
$11.70
$609
1.4
145
New York
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Richmond County
$27.38
$1,424
$56,960
3.8
$65,000
$1,625
$19,500
$488
48,752
30%
$9.75
$507
2.8
Rockland County
$27.38
$1,424
$56,960
3.8
$103,100
$2,578
$30,930
$773
28,257
29%
$12.10
$629
2.3
Saratoga County
$16.73
$870
$34,800
2.3
$78,100
$1,953
$23,430
$586
22,732
26%
$12.35
$642
1.4
Schenectady County
$16.73
$870
$34,800
2.3
$78,100
$1,953
$23,430
$586
18,018
31%
$12.70
$661
1.3
Schoharie County
$16.73
$870
$34,800
2.3
$78,100
$1,953
$23,430
$586
2,934
23%
$5.87
$305
2.8
Schuyler County
$12.92
$672
$26,880
1.8
$55,200
$1,380
$16,560
$414
1,564
21%
$8.71
$453
1.5
Seneca County
$14.62
$760
$30,400
2.0
$56,100
$1,403
$16,830
$421
2,960
23%
$9.61
$500
1.5
St. Lawrence County
$13.81
$718
$28,720
1.9
$52,600
$1,315
$15,780
$395
11,875
28%
$8.76
$455
1.6
Steuben County
$13.75
$715
$28,600
1.9
$55,100
$1,378
$16,530
$413
10,978
27%
$13.46
$700
1.0
Suffolk County
$32.35
$1,682
$67,280
4.5
$107,500
$2,688
$32,250
$806
92,196
19%
$13.78
$717
2.3
Sullivan County
$17.08
$888
$35,520
2.4
$61,500
$1,538
$18,450
$461
9,649
32%
$8.87
$461
1.9
Tioga County
$13.63
$709
$28,360
1.9
$61,800
$1,545
$18,540
$464
4,086
20%
$13.58
$706
1.0
Tompkins County
$18.58
$966
$38,640
2.6
$73,800
$1,845
$22,140
$554
17,289
45%
$13.17
$685
1.4
Ulster County
$21.12
$1,098
$43,920
2.9
$73,900
$1,848
$22,170
$554
21,488
30%
$9.90
$515
2.1
Warren County
$16.13
$839
$33,560
2.2
$62,600
$1,565
$18,780
$470
8,976
31%
$10.81
$562
1.5
Washington County
$16.13
$839
$33,560
2.2
$62,600
$1,565
$18,780
$470
6,399
26%
$9.47
$492
1.7
Wayne County
$15.37
$799
$31,960
2.1
$68,700
$1,718
$20,610
$515
8,691
24%
$8.85
$460
1.7
Westchester County
$30.38
$1,580
$63,200
4.2
$107,900
$2,698
$32,370
$809
129,042
37%
$17.68
$919
1.7
Wyoming County
$14.19
$738
$29,520
2.0
$60,800
$1,520
$18,240
$456
3,664
24%
$7.73
$402
1.8
Yates County
$13.23
$688
$27,520
1.8
$58,900
$1,473
$17,670
$442
2,079
22%
$6.30
$328
2.1
146
North Carolina
In North Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment is $709. In order to afford this level of
Wage of:
$13.63
In North Carolina, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 75 hours per week, 52 weeks per year. Or a household must
affordable.
In North Carolina, the estimated mean (average) wage for a renter is $12.11. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 45 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$709
Two-Bedroom FMR
$1,497
$79
$260
Minimum Wage Earner
$332
SSI Recipient
$500
$630
$449
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
147
North Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
North Carolina
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.63
$709
$28,351
1.9
$59,872
$1,497
$17,962
$449
1,157,690
32%
$12.11
$630
1.1
$12.38
$644
$25,751
1.7
$51,714
$1,293
$15,514
$388
313,259
29%
$9.27
$482
1.3
Anson County HMFA
$11.23
$584
$23,360
1.5
$39,200
$980
$11,760
$294
2,763
29%
$11.24
$585
1.0
Asheville HMFA
$13.54
$704
$28,160
1.9
$58,400
$1,460
$17,520
$438
44,508
29%
$11.06
$575
1.2
Burlington MSA
$13.77
$716
$28,640
1.9
$56,100
$1,403
$16,830
$421
18,845
32%
$10.21
$531
1.3
Charlotte-Gastonia-Concord HMFA
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
183,490
33%
$15.36
$799
1.0
Durham-Chapel Hill HMFA
$14.98
$779
$31,160
2.1
$68,700
$1,718
$20,610
$515
71,644
40%
$17.80
$925
0.8
Fayetteville HMFA
$13.25
$689
$27,560
1.8
$52,700
$1,318
$15,810
$395
48,795
42%
$12.09
$629
1.1
Metropolitan Areas
Goldsboro MSA
$12.00
$624
$24,960
1.7
$51,000
$1,275
$15,300
$383
16,543
36%
$9.90
$515
1.2
Greene County HMFA
$11.23
$584
$23,360
1.5
$47,900
$1,198
$14,370
$359
2,087
30%
$8.72
$454
1.3
Greensboro-High Point HMFA
$12.56
$653
$26,120
1.7
$55,300
$1,383
$16,590
$415
84,933
35%
$11.71
$609
1.1
Greenville HMFA
$13.17
$685
$27,400
1.8
$54,700
$1,368
$16,410
$410
28,601
45%
$8.88
$462
1.5
Haywood County HMFA
$12.31
$640
$25,600
1.7
$54,800
$1,370
$16,440
$411
6,566
25%
$10.19
$530
1.2
Hickory-Lenoir-Morganton MSA
$11.40
$593
$23,720
1.6
$53,300
$1,333
$15,990
$400
36,075
26%
$10.22
$531
1.1
Hoke County HMFA
$11.23
$584
$23,360
1.5
$51,500
$1,288
$15,450
$386
3,932
28%
$7.95
$413
1.4
Jacksonville MSA
$13.42
$698
$27,920
1.9
$49,300
$1,233
$14,790
$370
24,560
43%
$10.23
$532
1.3
Pender County HMFA
$11.79
$613
$24,520
1.6
$54,900
$1,373
$16,470
$412
3,912
19%
$7.54
$392
1.6
Person County HMFA
$12.38
$644
$25,760
1.7
$57,400
$1,435
$17,220
$431
4,018
26%
$9.09
$473
1.4
Raleigh-Cary MSA
$16.33
$849
$33,960
2.3
$79,900
$1,998
$23,970
$599
130,899
32%
$12.53
$652
1.3
Rockingham County HMFA
$11.23
$584
$23,360
1.5
$50,300
$1,258
$15,090
$377
10,537
28%
$9.94
$517
1.1
Rocky Mount MSA
$11.85
$616
$24,640
1.6
$49,700
$1,243
$14,910
$373
21,716
37%
$11.02
$573
1.1
Virginia Beach-Norfolk-Newport News MSA *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
1,667
18%
$8.55
$445
2.4
Wilmington HMFA
$15.52
$807
$32,280
2.1
$60,800
$1,520
$18,240
$456
42,485
33%
$10.84
$564
1.4
Winston-Salem MSA
$11.88
$618
$24,720
1.6
$62,000
$1,550
$18,600
$465
55,855
30%
$11.47
$597
1.0
Alamance County
$13.77
$716
$28,640
1.9
$56,100
$1,403
$16,830
$421
18,845
32%
$10.21
$531
1.3
Alexander County
$11.40
$593
$23,720
1.6
$53,300
$1,333
$15,990
$400
2,691
20%
$8.02
$417
1.4
Alleghany County
$11.23
$584
$23,360
1.5
$43,000
$1,075
$12,900
$323
1,293
26%
$5.76
$300
1.9
Counties
148
North Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Anson County
$11.23
$584
$23,360
1.5
$39,200
$980
$11,760
$294
2,763
29%
$11.24
$585
1.0
Ashe County
$11.23
$584
$23,360
1.5
$48,600
$1,215
$14,580
$365
2,469
21%
$8.62
$448
1.3
Avery County
$13.04
$678
$27,120
1.8
$50,000
$1,250
$15,000
$375
1,959
27%
$8.50
$442
1.5
Beaufort County
$11.73
$610
$24,400
1.6
$53,400
$1,335
$16,020
$401
5,331
27%
$7.36
$383
1.6
Bertie County
$11.23
$584
$23,360
1.5
$42,500
$1,063
$12,750
$319
1,883
23%
$7.39
$384
1.5
Bladen County
$11.37
$591
$23,640
1.6
$44,100
$1,103
$13,230
$331
4,327
31%
$9.73
$506
1.2
Brunswick County
$15.52
$807
$32,280
2.1
$60,800
$1,520
$18,240
$456
10,226
23%
$10.68
$556
1.5
Buncombe County
$13.54
$704
$28,160
1.9
$58,400
$1,460
$17,520
$438
32,183
32%
$11.45
$595
1.2
Burke County
$11.40
$593
$23,720
1.6
$53,300
$1,333
$15,990
$400
9,029
26%
$9.57
$497
1.2
Cabarrus County
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
16,972
27%
$9.99
$520
1.5
Caldwell County
$11.40
$593
$23,720
1.6
$53,300
$1,333
$15,990
$400
7,651
24%
$8.59
$447
1.3
Camden County
$16.13
$839
$33,560
2.2
$75,200
$1,880
$22,560
$564
512
15%
$9.92
$516
1.6
Carteret County
$13.10
$681
$27,240
1.8
$60,600
$1,515
$18,180
$455
7,589
27%
$8.18
$426
1.6
Caswell County
$11.23
$584
$23,360
1.5
$46,400
$1,160
$13,920
$348
2,183
25%
$6.48
$337
1.7
Catawba County
$11.40
$593
$23,720
1.6
$53,300
$1,333
$15,990
$400
16,704
28%
$11.11
$578
1.0
Chatham County
$14.98
$779
$31,160
2.1
$68,700
$1,718
$20,610
$515
5,190
21%
$8.08
$420
1.9
Cherokee County
$11.23
$584
$23,360
1.5
$46,700
$1,168
$14,010
$350
1,928
17%
$8.75
$455
1.3
Chowan County
$12.98
$675
$27,000
1.8
$49,800
$1,245
$14,940
$374
1,865
32%
$7.86
$409
1.7
Clay County
$11.27
$586
$23,440
1.6
$42,200
$1,055
$12,660
$317
754
17%
$6.99
$364
1.6
Cleveland County
$11.71
$609
$24,360
1.6
$50,800
$1,270
$15,240
$381
11,703
31%
$9.77
$508
1.2
Columbus County
$11.23
$584
$23,360
1.5
$46,100
$1,153
$13,830
$346
6,108
28%
$7.26
$378
1.5
Craven County
$14.04
$730
$29,200
1.9
$58,000
$1,450
$17,400
$435
14,678
37%
$10.67
$555
1.3
Cumberland County
$13.25
$689
$27,560
1.8
$52,700
$1,318
$15,810
$395
48,795
42%
$12.09
$629
1.1
Currituck County *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
1,667
18%
$8.55
$445
2.4
Dare County
$18.83
$979
$39,160
2.6
$70,600
$1,765
$21,180
$530
4,433
29%
$9.75
$507
1.9
Davidson County
$11.92
$620
$24,800
1.6
$56,700
$1,418
$17,010
$425
17,254
27%
$9.32
$485
1.3
Davie County
$11.88
$618
$24,720
1.6
$62,000
$1,550
$18,600
$465
2,609
16%
$8.49
$441
1.4
Duplin County
$11.23
$584
$23,360
1.5
$44,100
$1,103
$13,230
$331
6,167
29%
$9.42
$490
1.2
Durham County
$14.98
$779
$31,160
2.1
$68,700
$1,718
$20,610
$515
46,713
44%
$20.08
$1,044
0.7
Edgecombe County
$11.85
$616
$24,640
1.6
$49,700
$1,243
$14,910
$373
8,021
37%
$9.76
$508
1.2
Forsyth County
$11.88
$618
$24,720
1.6
$62,000
$1,550
$18,600
$465
46,584
34%
$11.93
$621
1.0
149
North Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Franklin County
$16.33
$849
$33,960
2.3
$79,900
$1,998
$23,970
$599
5,058
22%
$9.72
$506
1.7
Gaston County
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
23,627
31%
$9.96
$518
1.5
Gates County
$11.44
$595
$23,800
1.6
$60,400
$1,510
$18,120
$453
811
18%
$7.36
$383
1.6
Graham County
$11.23
$584
$23,360
1.5
$34,400
$860
$10,320
$258
836
22%
$7.73
$402
1.5
Granville County
$13.85
$720
$28,800
1.9
$60,200
$1,505
$18,060
$452
4,787
24%
$10.39
$540
1.3
Greene County
$11.23
$584
$23,360
1.5
$47,900
$1,198
$14,370
$359
2,087
30%
$8.72
$454
1.3
Guilford County
$12.56
$653
$26,120
1.7
$55,300
$1,383
$16,590
$415
70,407
37%
$12.19
$634
1.0
Halifax County
$11.52
$599
$23,960
1.6
$41,900
$1,048
$12,570
$314
7,763
36%
$8.21
$427
1.4
Harnett County
$13.08
$680
$27,200
1.8
$55,700
$1,393
$16,710
$418
12,767
33%
$8.80
$457
1.5
Haywood County
$12.31
$640
$25,600
1.7
$54,800
$1,370
$16,440
$411
6,566
25%
$10.19
$530
1.2
Henderson County
$13.54
$704
$28,160
1.9
$58,400
$1,460
$17,520
$438
10,469
23%
$10.25
$533
1.3
Hertford County
$11.42
$594
$23,760
1.6
$41,100
$1,028
$12,330
$308
3,067
34%
$10.19
$530
1.1
Hoke County
$11.23
$584
$23,360
1.5
$51,500
$1,288
$15,450
$386
3,932
28%
$7.95
$413
1.4
Hyde County
$14.75
$767
$30,680
2.0
$50,200
$1,255
$15,060
$377
334
17%
$8.59
$446
1.7
Iredell County
$13.79
$717
$28,680
1.9
$61,800
$1,545
$18,540
$464
14,661
25%
$11.10
$577
1.2
Jackson County
$11.81
$614
$24,560
1.6
$51,700
$1,293
$15,510
$388
5,348
34%
$8.55
$445
1.4
Johnston County
$16.33
$849
$33,960
2.3
$79,900
$1,998
$23,970
$599
15,840
27%
$8.90
$463
1.8
Jones County
$11.23
$584
$23,360
1.5
$47,000
$1,175
$14,100
$353
1,140
28%
$10.03
$522
1.1
Lee County
$12.13
$631
$25,240
1.7
$54,600
$1,365
$16,380
$410
6,222
30%
$10.61
$552
1.1
Lenoir County
$12.04
$626
$25,040
1.7
$45,000
$1,125
$13,500
$338
9,103
38%
$8.79
$457
1.4
Lincoln County
$11.69
$608
$24,320
1.6
$58,200
$1,455
$17,460
$437
6,989
24%
$9.03
$470
1.3
Macon County
$12.60
$655
$26,200
1.7
$50,300
$1,258
$15,090
$377
3,655
23%
$11.06
$575
1.1
Madison County
$13.54
$704
$28,160
1.9
$58,400
$1,460
$17,520
$438
1,856
23%
$6.63
$345
2.0
Martin County
$11.23
$584
$23,360
1.5
$42,800
$1,070
$12,840
$321
2,986
30%
$6.02
$313
1.9
McDowell County
$11.23
$584
$23,360
1.5
$49,900
$1,248
$14,970
$374
4,819
27%
$9.19
$478
1.2
Mecklenburg County
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
131,096
37%
$17.07
$888
0.9
Mitchell County
$11.23
$584
$23,360
1.5
$45,300
$1,133
$13,590
$340
1,706
25%
$7.49
$389
1.5
Montgomery County
$11.23
$584
$23,360
1.5
$45,800
$1,145
$13,740
$344
2,489
25%
$8.11
$421
1.4
Moore County
$12.52
$651
$26,040
1.7
$63,000
$1,575
$18,900
$473
8,072
24%
$9.37
$487
1.3
Nash County
$11.85
$616
$24,640
1.6
$49,700
$1,243
$14,910
$373
13,695
36%
$11.54
$600
1.0
New Hanover County
$15.52
$807
$32,280
2.1
$60,800
$1,520
$18,240
$456
32,259
39%
$10.89
$566
1.4
150
North Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Northampton County
$11.23
$584
$23,360
1.5
$41,000
$1,025
$12,300
$308
2,107
25%
$8.76
$455
1.3
Onslow County
$13.42
$698
$27,920
1.9
$49,300
$1,233
$14,790
$370
24,560
43%
$10.23
$532
1.3
Orange County
$14.98
$779
$31,160
2.1
$68,700
$1,718
$20,610
$515
19,741
39%
$9.67
$503
1.5
Pamlico County
$12.33
$641
$25,640
1.7
$47,400
$1,185
$14,220
$356
1,003
18%
$8.85
$460
1.4
Pasquotank County
$13.19
$686
$27,440
1.8
$57,300
$1,433
$17,190
$430
4,892
34%
$8.35
$434
1.6
Pender County
$11.79
$613
$24,520
1.6
$54,900
$1,373
$16,470
$412
3,912
19%
$7.54
$392
1.6
Perquimans County
$11.23
$584
$23,360
1.5
$49,200
$1,230
$14,760
$369
1,219
23%
$4.68
$244
2.4
Person County
$12.38
$644
$25,760
1.7
$57,400
$1,435
$17,220
$431
4,018
26%
$9.09
$473
1.4
Pitt County
$13.17
$685
$27,400
1.8
$54,700
$1,368
$16,410
$410
28,601
45%
$8.88
$462
1.5
Polk County
$11.42
$594
$23,760
1.6
$50,200
$1,255
$15,060
$377
2,001
22%
$8.25
$429
1.4
Randolph County
$12.56
$653
$26,120
1.7
$55,300
$1,383
$16,590
$415
14,526
26%
$8.80
$457
1.4
Richmond County
$11.23
$584
$23,360
1.5
$38,200
$955
$11,460
$287
5,048
29%
$8.66
$451
1.3
Robeson County
$11.23
$584
$23,360
1.5
$37,300
$933
$11,190
$280
14,585
33%
$8.19
$426
1.4
Rockingham County
$11.23
$584
$23,360
1.5
$50,300
$1,258
$15,090
$377
10,537
28%
$9.94
$517
1.1
Rowan County
$12.75
$663
$26,520
1.8
$57,000
$1,425
$17,100
$428
15,128
29%
$11.01
$573
1.2
Rutherford County
$11.23
$584
$23,360
1.5
$46,900
$1,173
$14,070
$352
7,735
28%
$8.05
$418
1.4
Sampson County
$11.23
$584
$23,360
1.5
$47,100
$1,178
$14,130
$353
7,493
32%
$8.86
$461
1.3
Scotland County
$12.08
$628
$25,120
1.7
$41,300
$1,033
$12,390
$310
4,670
35%
$7.96
$414
1.5
Stanly County
$11.90
$619
$24,760
1.6
$58,700
$1,468
$17,610
$440
5,103
23%
$9.35
$486
1.3
Stokes County
$11.88
$618
$24,720
1.6
$62,000
$1,550
$18,600
$465
3,414
18%
$7.87
$409
1.5
Surry County
$11.23
$584
$23,360
1.5
$48,900
$1,223
$14,670
$367
7,631
26%
$8.24
$428
1.4
Swain County
$12.54
$652
$26,080
1.7
$51,900
$1,298
$15,570
$389
1,298
22%
$8.23
$428
1.5
Transylvania County
$12.77
$664
$26,560
1.8
$56,200
$1,405
$16,860
$422
3,239
23%
$8.07
$420
1.6
Tyrrell County
$11.23
$584
$23,360
1.5
$30,700
$768
$9,210
$230
391
24%
$9.10
$473
1.2
Union County
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
11,795
18%
$9.15
$476
1.7
Vance County
$12.56
$653
$26,120
1.7
$42,600
$1,065
$12,780
$320
5,731
35%
$8.55
$445
1.5
Wake County
$16.33
$849
$33,960
2.3
$79,900
$1,998
$23,970
$599
110,001
34%
$12.93
$672
1.3
Warren County
$11.23
$584
$23,360
1.5
$39,500
$988
$11,850
$296
1,937
25%
$7.74
$402
1.5
Washington County
$11.23
$584
$23,360
1.5
$47,400
$1,185
$14,220
$356
1,454
30%
$7.12
$370
1.6
Watauga County
$15.02
$781
$31,240
2.1
$58,900
$1,473
$17,670
$442
9,713
46%
$7.87
$409
1.9
Wayne County
$12.00
$624
$24,960
1.7
$51,000
$1,275
$15,300
$383
16,543
36%
$9.90
$515
1.2
151
North Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Wilkes County
$11.23
$584
$23,360
1.5
$47,200
$1,180
$14,160
$354
7,156
26%
$8.71
$453
1.3
Wilson County
$14.19
$738
$29,520
2.0
$51,100
$1,278
$15,330
$383
12,105
38%
$12.10
$629
1.2
Yadkin County
$11.88
$618
$24,720
1.6
$62,000
$1,550
$18,600
$465
3,248
22%
$7.62
$396
1.6
Yancey County
$11.23
$584
$23,360
1.5
$42,000
$1,050
$12,600
$315
1,629
22%
$8.30
$432
1.4
152
North Dakota
In North Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment is $639. In order to afford this level of
Wage of:
$12.29
In North Dakota, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 68 hours per week, 52 weeks per year. Or a household must
affordable.
In North Dakota, the estimated mean (average) wage for a renter is $10.82. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 45 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$639
Two-Bedroom FMR
$1,638
$76
$148
Minimum Wage Earner
$262
SSI Recipient
$430
$563
$491
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
153
North Dakota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
North Dakota
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.29
$639
$25,571
1.7
$65,500
$1,638
$19,650
$491
92,525
33%
$10.82
$563
1.1
$12.14
$631
$25,248
1.7
$59,782
$1,495
$17,935
$448
39,196
27%
$11.68
$608
1.0
Bismarck MSA
$11.62
$604
$24,160
1.6
$77,700
$1,943
$23,310
$583
12,037
28%
$9.09
$473
1.3
Fargo MSA
$12.58
$654
$26,160
1.7
$70,400
$1,760
$21,120
$528
29,204
46%
$11.08
$576
1.1
Grand Forks MSA
$12.79
$665
$26,600
1.8
$64,700
$1,618
$19,410
$485
12,088
46%
$9.23
$480
1.4
Adams County
$11.23
$584
$23,360
1.5
$54,200
$1,355
$16,260
$407
327
32%
$11.73
$610
1.0
Barnes County
$12.73
$662
$26,480
1.8
$59,300
$1,483
$17,790
$445
1,540
32%
$10.17
$529
1.3
Benson County
$11.23
$584
$23,360
1.5
$41,500
$1,038
$12,450
$311
875
38%
$9.99
$520
1.1
Billings County
$11.88
$618
$24,720
1.6
$63,700
$1,593
$19,110
$478
60
17%
$14.29
$743
0.8
Bottineau County
$11.87
$617
$24,680
1.6
$60,700
$1,518
$18,210
$455
664
22%
$10.74
$559
1.1
Bowman County
$11.23
$584
$23,360
1.5
$64,400
$1,610
$19,320
$483
261
20%
$12.48
$649
0.9
Burke County
$11.38
$592
$23,680
1.6
$64,500
$1,613
$19,350
$484
168
17%
$10.45
$543
1.1
Burleigh County
$11.62
$604
$24,160
1.6
$77,700
$1,943
$23,310
$583
9,807
30%
$9.31
$484
1.2
Cass County
$12.58
$654
$26,160
1.7
$70,400
$1,760
$21,120
$528
29,204
46%
$11.08
$576
1.1
Cavalier County
$11.23
$584
$23,360
1.5
$61,700
$1,543
$18,510
$463
284
16%
$9.29
$483
1.2
Dickey County
$12.02
$625
$25,000
1.7
$56,000
$1,400
$16,800
$420
588
27%
$6.67
$347
1.8
Divide County
$11.23
$584
$23,360
1.5
$69,800
$1,745
$20,940
$524
192
19%
$7.40
$385
1.5
Dunn County
$11.23
$584
$23,360
1.5
$65,700
$1,643
$19,710
$493
199
15%
$16.76
$871
0.7
Eddy County
$11.23
$584
$23,360
1.5
$53,000
$1,325
$15,900
$398
191
18%
$8.65
$450
1.3
Emmons County
$11.23
$584
$23,360
1.5
$45,300
$1,133
$13,590
$340
256
16%
$10.63
$553
1.1
Foster County
$11.23
$584
$23,360
1.5
$54,400
$1,360
$16,320
$408
364
24%
$9.21
$479
1.2
Golden Valley County
$11.23
$584
$23,360
1.5
$44,900
$1,123
$13,470
$337
148
20%
$8.01
$417
1.4
Grand Forks County
$12.79
$665
$26,600
1.8
$64,700
$1,618
$19,410
$485
12,088
46%
$9.23
$480
1.4
Grant County
$11.79
$613
$24,520
1.6
$49,100
$1,228
$14,730
$368
210
18%
$10.00
$520
1.2
Griggs County
$11.23
$584
$23,360
1.5
$54,500
$1,363
$16,350
$409
231
21%
$11.37
$591
1.0
Hettinger County
$11.23
$584
$23,360
1.5
$54,100
$1,353
$16,230
$406
208
18%
$10.50
$546
1.1
Kidder County
$11.23
$584
$23,360
1.5
$52,200
$1,305
$15,660
$392
345
29%
$9.87
$513
1.1
Metropolitan Areas
Counties
154
North Dakota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
LaMoure County
$12.50
$650
$26,000
1.7
$56,800
$1,420
$17,040
$426
322
16%
$11.27
$586
1.1
Logan County
$11.23
$584
$23,360
1.5
$57,400
$1,435
$17,220
$431
140
17%
$9.13
$475
1.2
McHenry County
$12.85
$668
$26,720
1.8
$58,500
$1,463
$17,550
$439
586
23%
$8.78
$456
1.5
McIntosh County
$11.85
$616
$24,640
1.6
$51,800
$1,295
$15,540
$389
224
17%
$10.00
$520
1.2
McKenzie County
$11.23
$584
$23,360
1.5
$56,300
$1,408
$16,890
$422
781
32%
$21.68
$1,127
0.5
McLean County
$11.23
$584
$23,360
1.5
$63,500
$1,588
$19,050
$476
814
21%
$12.26
$638
0.9
Mercer County
$11.23
$584
$23,360
1.5
$70,500
$1,763
$21,150
$529
774
21%
$13.16
$684
0.9
Morton County
$11.62
$604
$24,160
1.6
$77,700
$1,943
$23,310
$583
2,230
21%
$7.95
$413
1.5
Mountrail County
$12.85
$668
$26,720
1.8
$56,700
$1,418
$17,010
$425
786
28%
$13.61
$708
0.9
Nelson County
$11.23
$584
$23,360
1.5
$55,000
$1,375
$16,500
$413
252
17%
$5.97
$310
1.9
Oliver County
$11.23
$584
$23,360
1.5
$70,700
$1,768
$21,210
$530
108
14%
$23.02
$1,197
0.5
Pembina County
$11.23
$584
$23,360
1.5
$62,300
$1,558
$18,690
$467
671
20%
$11.65
$606
1.0
Pierce County
$11.23
$584
$23,360
1.5
$56,500
$1,413
$16,950
$424
543
29%
$7.76
$404
1.4
Ramsey County
$11.52
$599
$23,960
1.6
$58,400
$1,460
$17,520
$438
1,645
35%
$8.84
$460
1.3
Ransom County
$13.02
$677
$27,080
1.8
$61,300
$1,533
$18,390
$460
593
25%
$8.54
$444
1.5
Renville County
$11.23
$584
$23,360
1.5
$60,100
$1,503
$18,030
$451
265
24%
$14.35
$746
0.8
Richland County
$11.23
$584
$23,360
1.5
$65,700
$1,643
$19,710
$493
1,717
26%
$9.42
$490
1.2
Rolette County
$11.23
$584
$23,360
1.5
$44,300
$1,108
$13,290
$332
1,209
26%
$6.58
$342
1.7
Sargent County
$12.10
$629
$25,160
1.7
$61,300
$1,533
$18,390
$460
395
22%
$8.81
$458
1.4
Sheridan County
$11.23
$584
$23,360
1.5
$43,700
$1,093
$13,110
$328
89
14%
$5.26
$273
2.1
Sioux County
$11.44
$595
$23,800
1.6
$33,600
$840
$10,080
$252
530
50%
$6.87
$357
1.7
Slope County
$11.88
$618
$24,720
1.6
$57,200
$1,430
$17,160
$429
67
20%
$33.55
$1,744
0.4
Stark County
$13.10
$681
$27,240
1.8
$62,200
$1,555
$18,660
$467
2,629
27%
$10.50
$546
1.2
Steele County
$11.23
$584
$23,360
1.5
$64,600
$1,615
$19,380
$485
159
19%
$11.99
$624
0.9
Stutsman County
$12.54
$652
$26,080
1.7
$62,300
$1,558
$18,690
$467
2,700
31%
$9.54
$496
1.3
Towner County
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
222
21%
$6.84
$356
1.6
Traill County
$11.87
$617
$24,680
1.6
$63,100
$1,578
$18,930
$473
855
25%
$11.22
$583
1.1
Walsh County
$11.56
$601
$24,040
1.6
$58,900
$1,473
$17,670
$442
1,225
26%
$9.34
$486
1.2
Ward County
$13.19
$686
$27,440
1.8
$61,300
$1,533
$18,390
$460
8,643
36%
$10.63
$553
1.2
Wells County
$11.23
$584
$23,360
1.5
$52,800
$1,320
$15,840
$396
493
24%
$5.28
$275
2.1
Williams County
$11.63
$605
$24,200
1.6
$69,500
$1,738
$20,850
$521
2,648
29%
$19.68
$1,023
0.6
155
Ohio
In Ohio, the Fair Market Rent (FMR) for a two-bedroom apartment is $698. In order to afford this level of rent and
$13.43
In Ohio, a minimum wage worker earns an hourly wage of $7.70. In order to afford the FMR for a two-bedroom
In Ohio, the estimated mean (average) wage for a renter is $11.20. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$698
Two-Bedroom FMR
$1,571
$115
$227
Minimum Wage Earner
$298
SSI Recipient
$489
$583
$471
$400
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
156
Ohio
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Ohio
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.43
$698
$27,926
1.7
$62,850
$1,571
$18,855
$471
1,403,218
31%
$11.20
$583
1.2
$11.57
$602
$24,061
1.5
$55,330
$1,383
$16,599
$415
222,277
26%
$9.27
$482
1.2
Metropolitan Areas
Akron MSA
$14.27
$742
$29,680
1.9
$66,500
$1,663
$19,950
$499
87,176
31%
$10.92
$568
1.3
Brown County HMFA
$12.04
$626
$25,040
1.6
$57,100
$1,428
$17,130
$428
3,250
20%
$9.04
$470
1.3
Canton-Massillon MSA
$12.37
$643
$25,720
1.6
$58,900
$1,473
$17,670
$442
45,861
28%
$9.41
$490
1.3
$13.90
$723
$28,920
1.8
$71,300
$1,783
$21,390
$535
197,833
32%
$12.24
$636
1.1
Cleveland-Elyria-Mentor MSA
$13.98
$727
$29,080
1.8
$63,700
$1,593
$19,110
$478
270,201
32%
$12.28
$639
1.1
Columbus HMFA
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
246,081
36%
$12.68
$659
1.2
Dayton HMFA
$13.17
$685
$27,400
1.7
$63,300
$1,583
$18,990
$475
110,681
34%
$11.19
$582
1.2
$11.52
$599
$23,960
1.5
$50,300
$1,258
$15,090
$377
6,546
27%
$8.02
$417
1.4
Lima MSA
$12.08
$628
$25,120
1.6
$58,800
$1,470
$17,640
$441
11,733
29%
$9.13
$475
1.3
Mansfield MSA
$11.46
$596
$23,840
1.5
$57,200
$1,430
$17,160
$429
13,969
29%
$9.54
$496
1.2
Parkersburg-Marietta-Vienna MSA
$11.65
$606
$24,240
1.5
$53,200
$1,330
$15,960
$399
6,428
25%
$9.84
$512
1.2
Preble County HMFA
$12.27
$638
$25,520
1.6
$60,100
$1,503
$18,030
$451
3,499
21%
$9.47
$493
1.3
Sandusky MSA
$13.29
$691
$27,640
1.7
$64,100
$1,603
$19,230
$481
8,649
27%
$9.06
$471
1.5
Springfield MSA
$12.54
$652
$26,080
1.6
$56,800
$1,420
$17,040
$426
16,410
30%
$8.70
$452
1.4
Steubenville-Weirton MSA
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
7,905
27%
$8.73
$454
1.3
Toledo MSA
$12.79
$665
$26,600
1.7
$62,600
$1,565
$18,780
$470
83,893
32%
$10.02
$521
1.3
Union County HMFA
$14.94
$777
$31,080
1.9
$82,500
$2,063
$24,750
$619
4,002
22%
$13.61
$708
1.1
Wheeling MSA
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
7,419
26%
$8.16
$425
1.4
Youngstown-Warren-Boardman HMFA
$11.60
$603
$24,120
1.5
$55,700
$1,393
$16,710
$418
49,405
27%
$8.77
$456
1.3
Adams County
$11.23
$584
$23,360
1.5
$43,800
$1,095
$13,140
$329
2,928
27%
$7.61
$396
1.5
Allen County
$12.08
$628
$25,120
1.6
$58,800
$1,470
$17,640
$441
11,733
29%
$9.13
$475
1.3
Ashland County
$11.40
$593
$23,720
1.5
$59,300
$1,483
$17,790
$445
4,250
21%
$8.54
$444
1.3
Ashtabula County
$11.67
$607
$24,280
1.5
$52,900
$1,323
$15,870
$397
10,600
27%
$8.14
$423
1.4
Athens County
$12.35
$642
$25,680
1.6
$50,600
$1,265
$15,180
$380
9,218
41%
$6.74
$350
1.8
Auglaize County
$11.87
$617
$24,680
1.5
$64,900
$1,623
$19,470
$487
4,025
22%
$9.87
$513
1.2
Counties
157
Ohio
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Belmont County
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
7,419
26%
$8.16
$425
Brown County
$12.04
$626
$25,040
1.6
$57,100
$1,428
$17,130
$428
3,250
20%
$9.04
$470
1.4
1.3
Butler County
$13.90
$723
$28,920
1.8
$71,300
$1,783
$21,390
$535
39,057
29%
$10.62
$552
1.3
Carroll County
$12.37
$643
$25,720
1.6
$58,900
$1,473
$17,670
$442
2,105
18%
$7.95
$413
1.6
Champaign County
$11.23
$584
$23,360
1.5
$61,300
$1,533
$18,390
$460
3,748
25%
$9.37
$487
1.2
Clark County
$12.54
$652
$26,080
1.6
$56,800
$1,420
$17,040
$426
16,410
30%
$8.70
$452
1.4
Clermont County
$13.90
$723
$28,920
1.8
$71,300
$1,783
$21,390
$535
16,689
23%
$9.77
$508
1.4
Clinton County
$12.04
$626
$25,040
1.6
$61,100
$1,528
$18,330
$458
4,864
30%
$10.07
$524
1.2
Columbiana County
$11.23
$584
$23,360
1.5
$52,100
$1,303
$15,630
$391
10,677
25%
$7.66
$399
1.5
Coshocton County
$11.23
$584
$23,360
1.5
$52,000
$1,300
$15,600
$390
3,710
25%
$8.69
$452
1.3
Crawford County
$11.31
$588
$23,520
1.5
$52,500
$1,313
$15,750
$394
4,903
27%
$10.05
$523
1.1
Cuyahoga County
$13.98
$727
$29,080
1.8
$63,700
$1,593
$19,110
$478
202,889
38%
$13.37
$695
1.0
Darke County
$11.23
$584
$23,360
1.5
$58,400
$1,460
$17,520
$438
4,607
22%
$9.55
$497
1.2
Defiance County
$11.23
$584
$23,360
1.5
$61,300
$1,533
$18,390
$460
3,255
21%
$9.51
$494
1.2
Delaware County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
10,268
17%
$9.66
$502
1.6
Erie County
$13.29
$691
$27,640
1.7
$64,100
$1,603
$19,230
$481
8,649
27%
$9.06
$471
1.5
Fairfield County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
13,034
24%
$8.06
$419
1.9
Fayette County
$12.98
$675
$27,000
1.7
$52,800
$1,320
$15,840
$396
4,104
35%
$10.02
$521
1.3
Franklin County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
195,321
43%
$13.72
$714
1.1
Fulton County
$12.79
$665
$26,600
1.7
$62,600
$1,565
$18,780
$470
3,115
19%
$9.20
$478
1.4
Gallia County
$11.23
$584
$23,360
1.5
$48,800
$1,220
$14,640
$366
3,312
27%
$8.26
$430
1.4
Geauga County
$13.98
$727
$29,080
1.8
$63,700
$1,593
$19,110
$478
4,462
13%
$9.18
$477
1.5
Greene County
$13.17
$685
$27,400
1.7
$63,300
$1,583
$18,990
$475
19,529
32%
$10.02
$521
1.3
Guernsey County
$11.23
$584
$23,360
1.5
$51,800
$1,295
$15,540
$389
4,560
28%
$8.29
$431
1.4
Hamilton County
$13.90
$723
$28,920
1.8
$71,300
$1,783
$21,390
$535
127,183
39%
$13.18
$685
1.1
Hancock County
$12.15
$632
$25,280
1.6
$63,100
$1,578
$18,930
$473
8,865
29%
$10.81
$562
1.1
Hardin County
$11.29
$587
$23,480
1.5
$58,100
$1,453
$17,430
$436
3,577
30%
$8.36
$435
1.4
Harrison County
$11.23
$584
$23,360
1.5
$48,200
$1,205
$14,460
$362
1,421
22%
$8.49
$441
1.3
Henry County
$11.83
$615
$24,600
1.5
$63,100
$1,578
$18,930
$473
2,293
21%
$10.20
$530
1.2
Highland County
$12.08
$628
$25,120
1.6
$52,500
$1,313
$15,750
$394
4,366
26%
$7.85
$408
1.5
Hocking County
$11.23
$584
$23,360
1.5
$52,100
$1,303
$15,630
$391
2,818
25%
$7.13
$371
1.6
158
Ohio
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Holmes County
$11.23
$584
$23,360
1.5
$53,000
$1,325
$15,900
$398
2,569
21%
$9.37
$487
1.2
Huron County
$11.52
$599
$23,960
1.5
$57,200
$1,430
$17,160
$429
5,829
25%
$9.51
$495
1.2
Jackson County
$11.23
$584
$23,360
1.5
$46,600
$1,165
$13,980
$350
4,113
31%
$9.02
$469
1.2
Jefferson County
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
7,905
27%
$8.73
$454
1.3
Knox County
$12.08
$628
$25,120
1.6
$57,600
$1,440
$17,280
$432
5,633
25%
$8.79
$457
1.4
Lake County
$13.98
$727
$29,080
1.8
$63,700
$1,593
$19,110
$478
21,629
23%
$11.20
$582
1.2
Lawrence County
$11.52
$599
$23,960
1.5
$50,300
$1,258
$15,090
$377
6,546
27%
$8.02
$417
1.4
Licking County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
16,040
26%
$8.80
$458
1.7
Logan County
$11.96
$622
$24,880
1.6
$59,300
$1,483
$17,790
$445
4,976
27%
$11.31
$588
1.1
Lorain County
$13.98
$727
$29,080
1.8
$63,700
$1,593
$19,110
$478
29,524
26%
$8.57
$446
1.6
Lucas County
$12.79
$665
$26,600
1.7
$62,600
$1,565
$18,780
$470
62,580
35%
$10.12
$526
1.3
Madison County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
4,237
29%
$10.21
$531
1.5
Mahoning County
$11.60
$603
$24,120
1.5
$55,700
$1,393
$16,710
$418
27,476
28%
$8.07
$420
1.4
Marion County
$12.06
$627
$25,080
1.6
$53,000
$1,325
$15,900
$398
7,108
29%
$10.53
$548
1.1
Medina County
$13.98
$727
$29,080
1.8
$63,700
$1,593
$19,110
$478
11,697
18%
$8.54
$444
1.6
Meigs County
$11.23
$584
$23,360
1.5
$43,800
$1,095
$13,140
$329
1,912
20%
$7.26
$378
1.5
Mercer County
$11.60
$603
$24,120
1.5
$64,600
$1,615
$19,380
$485
2,927
19%
$8.31
$432
1.4
Miami County
$13.17
$685
$27,400
1.7
$63,300
$1,583
$18,990
$475
11,781
29%
$10.09
$525
1.3
Monroe County
$11.23
$584
$23,360
1.5
$43,500
$1,088
$13,050
$326
1,244
20%
$8.56
$445
1.3
Montgomery County
$13.17
$685
$27,400
1.7
$63,300
$1,583
$18,990
$475
79,371
35%
$11.61
$604
1.1
Morgan County
$11.23
$584
$23,360
1.5
$40,600
$1,015
$12,180
$305
1,298
21%
$7.34
$382
1.5
Morrow County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
2,337
18%
$8.97
$467
1.7
Muskingum County
$11.23
$584
$23,360
1.5
$51,900
$1,298
$15,570
$389
10,206
30%
$8.70
$452
1.3
Noble County
$11.23
$584
$23,360
1.5
$53,200
$1,330
$15,960
$399
1,069
22%
$6.49
$337
1.7
Ottawa County
$12.79
$665
$26,600
1.7
$62,600
$1,565
$18,780
$470
3,207
18%
$8.86
$461
1.4
Paulding County
$11.23
$584
$23,360
1.5
$57,600
$1,440
$17,280
$432
1,415
18%
$7.79
$405
1.4
Perry County
$11.23
$584
$23,360
1.5
$54,000
$1,350
$16,200
$405
3,541
26%
$7.30
$379
1.5
Pickaway County
$15.19
$790
$31,600
2.0
$67,500
$1,688
$20,250
$506
4,844
25%
$10.97
$570
1.4
Pike County
$11.23
$584
$23,360
1.5
$44,600
$1,115
$13,380
$335
3,113
29%
$10.39
$540
1.1
Portage County
$14.27
$742
$29,680
1.9
$66,500
$1,663
$19,950
$499
19,100
31%
$8.73
$454
1.6
Preble County
$12.27
$638
$25,520
1.6
$60,100
$1,503
$18,030
$451
3,499
21%
$9.47
$493
1.3
159
Ohio
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Putnam County
$11.23
$584
$23,360
1.5
$68,500
$1,713
$20,550
$514
2,087
16%
$7.25
$377
Richland County
$11.46
$596
$23,840
1.5
$57,200
$1,430
$17,160
$429
13,969
29%
$9.54
$496
1.5
1.2
Ross County
$11.58
$602
$24,080
1.5
$53,000
$1,325
$15,900
$398
7,498
27%
$10.19
$530
1.1
Sandusky County
$11.31
$588
$23,520
1.5
$60,100
$1,503
$18,030
$451
5,866
24%
$9.03
$469
1.3
Scioto County
$11.23
$584
$23,360
1.5
$44,200
$1,105
$13,260
$332
9,189
30%
$7.83
$407
1.4
Seneca County
$11.23
$584
$23,360
1.5
$56,600
$1,415
$16,980
$425
5,514
25%
$10.22
$531
1.1
Shelby County
$12.08
$628
$25,120
1.6
$63,200
$1,580
$18,960
$474
4,570
25%
$11.42
$594
1.1
Stark County
$12.37
$643
$25,720
1.6
$58,900
$1,473
$17,670
$442
43,756
29%
$9.46
$492
1.3
Summit County
$14.27
$742
$29,680
1.9
$66,500
$1,663
$19,950
$499
68,076
31%
$11.29
$587
1.3
Trumbull County
$11.60
$603
$24,120
1.5
$55,700
$1,393
$16,710
$418
21,929
25%
$9.72
$505
1.2
Tuscarawas County
$11.27
$586
$23,440
1.5
$54,900
$1,373
$16,470
$412
9,130
25%
$8.56
$445
1.3
Union County
$14.94
$777
$31,080
1.9
$82,500
$2,063
$24,750
$619
4,002
22%
$13.61
$708
1.1
Van Wert County
$11.23
$584
$23,360
1.5
$54,500
$1,363
$16,350
$409
1,978
17%
$9.98
$519
1.1
Vinton County
$11.23
$584
$23,360
1.5
$38,900
$973
$11,670
$292
1,267
24%
$8.02
$417
1.4
Warren County
$13.90
$723
$28,920
1.8
$71,300
$1,783
$21,390
$535
14,904
20%
$10.65
$554
1.3
Washington County
$11.65
$606
$24,240
1.5
$53,200
$1,330
$15,960
$399
6,428
25%
$9.84
$512
1.2
Wayne County
$11.88
$618
$24,720
1.5
$63,300
$1,583
$18,990
$475
10,323
24%
$10.32
$537
1.2
Williams County
$11.42
$594
$23,760
1.5
$55,800
$1,395
$16,740
$419
3,491
23%
$9.24
$480
1.2
Wood County
$12.79
$665
$26,600
1.7
$62,600
$1,565
$18,780
$470
14,991
31%
$10.21
$531
1.3
Wyandot County
$11.23
$584
$23,360
1.5
$57,900
$1,448
$17,370
$434
2,310
25%
$10.64
$553
1.1
160
Oklahoma
In Oklahoma, the Fair Market Rent (FMR) for a two-bedroom apartment is $647. In order to afford this level of rent
Wage of:
$12.44
In Oklahoma, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Oklahoma, the estimated mean (average) wage for a renter is $11.60. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 43 hours per week, 52 weeks per year. Or, working 40 hours per
$647
Two-Bedroom FMR
$1,401
$44
$227
Minimum Wage Earner
$270
SSI Recipient
$438
$603

$420
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
Gap between Rent

Affordable and
FMR
$1,500
161
Oklahoma
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Oklahoma
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.44
$647
$25,873
1.7
$56,045
$1,401
$16,813
$420
451,746
32%
$11.60
$603
1.1
$10.52
$547
$21,880
1.5
$49,770
$1,244
$14,931
$373
149,049
29%
$10.30
$535
1.0
Fort Smith HMFA
$10.69
$556
$22,240
1.5
$48,400
$1,210
$14,520
$363
4,238
28%
$6.42
$334
1.7
Grady County HMFA
$10.46
$544
$21,760
1.4
$57,400
$1,435
$17,220
$431
4,377
23%
$9.54
$496
1.1
Lawton MSA
$12.29
$639
$25,560
1.7
$52,600
$1,315
$15,780
$395
18,037
41%
$10.47
$545
1.2
Le Flore County HMFA
$10.08
$524
$20,960
1.4
$46,800
$1,170
$14,040
$351
4,969
27%
$8.63
$449
1.2
Lincoln County HMFA
$10.08
$524
$20,960
1.4
$50,300
$1,258
$15,090
$377
2,650
21%
$8.24
$428
1.2
Oklahoma City HMFA
$13.40
$697
$27,880
1.8
$61,500
$1,538
$18,450
$461
150,904
34%
$12.18
$633
1.1
Metropolitan Areas
Okmulgee County HMFA
$11.35
$590
$23,600
1.6
$46,400
$1,160
$13,920
$348
4,316
28%
$8.52
$443
1.3
Pawnee County HMFA
$11.75
$611
$24,440
1.6
$50,300
$1,258
$15,090
$377
1,458
24%
$8.13
$423
1.4
Tulsa HMFA
$14.08
$732
$29,280
1.9
$60,400
$1,510
$18,120
$453
111,748
33%
$12.61
$656
1.1
Adair County
$10.08
$524
$20,960
1.4
$39,600
$990
$11,880
$297
2,232
28%
$8.06
$419
1.2
Alfalfa County
$10.12
$526
$21,040
1.4
$56,200
$1,405
$16,860
$422
395
19%
$9.26
$482
1.1
Atoka County
$10.08
$524
$20,960
1.4
$44,300
$1,108
$13,290
$332
1,241
24%
$9.24
$481
1.1
Beaver County
$10.08
$524
$20,960
1.4
$56,900
$1,423
$17,070
$427
602
27%
$14.68
$763
0.7
Beckham County
$11.81
$614
$24,560
1.6
$54,500
$1,363
$16,350
$409
2,713
35%
$14.91
$775
0.8
Blaine County
$10.08
$524
$20,960
1.4
$56,500
$1,413
$16,950
$424
1,069
26%
$9.41
$489
1.1
Bryan County
$10.08
$524
$20,960
1.4
$46,000
$1,150
$13,800
$345
5,382
34%
$10.06
$523
1.0
Caddo County
$10.08
$524
$20,960
1.4
$46,100
$1,153
$13,830
$346
2,952
28%
$10.06
$523
1.0
Canadian County
$13.40
$697
$27,880
1.8
$61,500
$1,538
$18,450
$461
8,887
22%
$10.79
$561
1.2
Carter County
$10.60
$551
$22,040
1.5
$50,800
$1,270
$15,240
$381
5,150
29%
$11.76
$612
0.9
Cherokee County
$10.08
$524
$20,960
1.4
$41,600
$1,040
$12,480
$312
5,586
34%
$6.83
$355
1.5
Choctaw County
$10.08
$524
$20,960
1.4
$36,200
$905
$10,860
$272
1,959
32%
$8.05
$419
1.3
Cimarron County
$10.08
$524
$20,960
1.4
$43,700
$1,093
$13,110
$328
260
23%
$9.17
$477
1.1
Cleveland County
$13.40
$697
$27,880
1.8
$61,500
$1,538
$18,450
$461
29,461
32%
$8.78
$457
1.5
Coal County
$10.08
$524
$20,960
1.4
$38,100
$953
$11,430
$286
678
29%
$9.45
$491
1.1
Comanche County
$12.29
$639
$25,560
1.7
$52,600
$1,315
$15,780
$395
18,037
41%
$10.47
$545
1.2
Counties
162
Oklahoma
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Cotton County
$10.08
$524
$20,960
1.4
$50,900
$1,273
$15,270
$382
660
27%
$11.13
$579
0.9
Craig County
$10.42
$542
$21,680
1.4
$47,500
$1,188
$14,250
$356
1,203
21%
$10.93
$568
1.0
Creek County
$14.08
$732
$29,280
1.9
$60,400
$1,510
$18,120
$453
6,696
25%
$11.48
$597
1.2
Custer County
$10.58
$550
$22,000
1.5
$50,900
$1,273
$15,270
$382
3,641
35%
$9.94
$517
1.1
Delaware County
$10.08
$524
$20,960
1.4
$44,900
$1,123
$13,470
$337
3,761
23%
$8.39
$436
1.2
Dewey County
$11.25
$585
$23,400
1.6
$50,300
$1,258
$15,090
$377
324
18%
$12.62
$656
0.9
Ellis County
$10.08
$524
$20,960
1.4
$53,200
$1,330
$15,960
$399
316
19%
$15.42
$802
0.7
Garfield County
$10.94
$569
$22,760
1.5
$53,400
$1,335
$16,020
$401
7,707
33%
$11.56
$601
0.9
Garvin County
$10.08
$524
$20,960
1.4
$46,600
$1,165
$13,980
$350
2,507
25%
$12.55
$652
0.8
Grady County
$10.46
$544
$21,760
1.4
$57,400
$1,435
$17,220
$431
4,377
23%
$9.54
$496
1.1
Grant County
$10.08
$524
$20,960
1.4
$56,300
$1,408
$16,890
$422
425
23%
$18.00
$936
0.6
Greer County
$10.08
$524
$20,960
1.4
$45,600
$1,140
$13,680
$342
638
30%
$7.26
$378
1.4
Harmon County
$10.08
$524
$20,960
1.4
$38,700
$968
$11,610
$290
298
26%
Harper County
$10.67
$555
$22,200
1.5
$58,800
$1,470
$17,640
$441
317
21%
$13.74
$715
0.8
Haskell County
$10.08
$524
$20,960
1.4
$48,700
$1,218
$14,610
$365
1,081
23%
$7.57
$394
1.3
Hughes County
$10.08
$524
$20,960
1.4
$45,100
$1,128
$13,530
$338
1,142
22%
$7.90
$411
1.3
Jackson County
$10.15
$528
$21,120
1.4
$53,100
$1,328
$15,930
$398
3,940
38%
$9.85
$512
1.0
Jefferson County
$10.08
$524
$20,960
1.4
$42,500
$1,063
$12,750
$319
549
22%
$7.50
$390
1.3
Johnston County
$10.08
$524
$20,960
1.4
$40,100
$1,003
$12,030
$301
1,107
26%
$11.15
$580
0.9
Kay County
$11.38
$592
$23,680
1.6
$49,600
$1,240
$14,880
$372
5,282
29%
$11.26
$585
1.0
Kingfisher County
$11.23
$584
$23,360
1.5
$61,400
$1,535
$18,420
$461
1,219
22%
$11.97
$623
0.9
Kiowa County
$10.08
$524
$20,960
1.4
$45,900
$1,148
$13,770
$344
1,292
34%
$7.86
$409
1.3
Latimer County
$10.08
$524
$20,960
1.4
$51,300
$1,283
$15,390
$385
1,090
26%
$13.65
$710
0.7
Le Flore County
$10.08
$524
$20,960
1.4
$46,800
$1,170
$14,040
$351
4,969
27%
$8.63
$449
1.2
Lincoln County
$10.08
$524
$20,960
1.4
$50,300
$1,258
$15,090
$377
2,650
21%
$8.24
$428
1.2
Logan County
$13.40
$697
$27,880
1.8
$61,500
$1,538
$18,450
$461
3,232
22%
$6.47
$336
2.1
Love County
$10.08
$524
$20,960
1.4
$52,400
$1,310
$15,720
$393
864
24%
$8.28
$430
1.2
Major County
$10.08
$524
$20,960
1.4
$57,100
$1,428
$17,130
$428
595
19%
$9.29
$483
1.1
Marshall County
$10.08
$524
$20,960
1.4
$49,300
$1,233
$14,790
$370
1,341
23%
$10.38
$540
1.0
Mayes County
$10.08
$524
$20,960
1.4
$50,900
$1,273
$15,270
$382
4,029
25%
$9.07
$471
1.1
McClain County
$13.40
$697
$27,880
1.8
$61,500
$1,538
$18,450
$461
2,166
18%
$8.84
$460
1.5
163
Oklahoma
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
McCurtain County
$10.08
$524
$20,960
1.4
$46,300
$1,158
$13,890
$347
4,324
33%
$8.07
$419
1.2
McIntosh County
$10.08
$524
$20,960
1.4
$36,500
$913
$10,950
$274
1,664
22%
$6.03
$314
1.7
Murray County
$11.06
$575
$23,000
1.5
$53,300
$1,333
$15,990
$400
1,058
20%
$9.35
$486
1.2
Muskogee County
$10.62
$552
$22,080
1.5
$49,200
$1,230
$14,760
$369
8,389
31%
$9.01
$469
1.2
Noble County
$10.08
$524
$20,960
1.4
$52,300
$1,308
$15,690
$392
1,144
25%
$9.95
$517
1.0
Nowata County
$10.63
$553
$22,120
1.5
$49,700
$1,243
$14,910
$373
879
21%
$9.60
$499
1.1
Okfuskee County
$10.08
$524
$20,960
1.4
$40,600
$1,015
$12,180
$305
1,232
29%
$8.08
$420
1.2
Oklahoma County
$13.40
$697
$27,880
1.8
$61,500
$1,538
$18,450
$461
107,158
38%
$12.92
$672
1.0
Okmulgee County
$11.35
$590
$23,600
1.6
$46,400
$1,160
$13,920
$348
4,316
28%
$8.52
$443
1.3
Osage County
$14.08
$732
$29,280
1.9
$60,400
$1,510
$18,120
$453
3,662
20%
$9.02
$469
1.6
Ottawa County
$10.08
$524
$20,960
1.4
$44,300
$1,108
$13,290
$332
3,043
25%
$8.38
$436
1.2
Pawnee County
$11.75
$611
$24,440
1.6
$50,300
$1,258
$15,090
$377
1,458
24%
$8.13
$423
1.4
Payne County
$11.35
$590
$23,600
1.6
$57,300
$1,433
$17,190
$430
13,246
46%
$9.02
$469
1.3
Pittsburg County
$11.35
$590
$23,600
1.6
$51,800
$1,295
$15,540
$389
5,318
29%
$9.66
$502
1.2
Pontotoc County
$10.08
$524
$20,960
1.4
$50,900
$1,273
$15,270
$382
5,129
35%
$7.77
$404
1.3
Pottawatomie County
$11.00
$572
$22,880
1.5
$50,600
$1,265
$15,180
$380
6,693
27%
$8.80
$457
1.3
Pushmataha County
$10.08
$524
$20,960
1.4
$38,900
$973
$11,670
$292
1,226
26%
$6.28
$326
1.6
Roger Mills County
$10.38
$540
$21,600
1.4
$63,300
$1,583
$18,990
$475
308
22%
$13.06
$679
0.8
Rogers County
$14.08
$732
$29,280
1.9
$60,400
$1,510
$18,120
$453
6,612
21%
$10.71
$557
1.3
Seminole County
$10.08
$524
$20,960
1.4
$42,400
$1,060
$12,720
$318
2,548
28%
$10.10
$525
1.0
Sequoyah County
$10.69
$556
$22,240
1.5
$48,400
$1,210
$14,520
$363
4,238
28%
$6.42
$334
1.7
Stephens County
$10.08
$524
$20,960
1.4
$54,700
$1,368
$16,410
$410
4,439
25%
$12.58
$654
0.8
Texas County
$10.77
$560
$22,400
1.5
$55,100
$1,378
$16,530
$413
2,229
31%
$12.61
$656
0.9
Tillman County
$10.08
$524
$20,960
1.4
$38,900
$973
$11,670
$292
846
28%
$9.98
$519
1.0
Tulsa County
$14.08
$732
$29,280
1.9
$60,400
$1,510
$18,120
$453
90,456
38%
$12.91
$671
1.1
Wagoner County
$14.08
$732
$29,280
1.9
$60,400
$1,510
$18,120
$453
4,322
17%
$7.79
$405
1.8
Washington County
$10.63
$553
$22,120
1.5
$57,300
$1,433
$17,190
$430
5,454
26%
$13.39
$696
0.8
Washita County
$10.08
$524
$20,960
1.4
$54,600
$1,365
$16,380
$410
1,127
25%
$11.53
$600
0.9
Woods County
$10.08
$524
$20,960
1.4
$60,500
$1,513
$18,150
$454
1,123
32%
$6.81
$354
1.5
Woodward County
$10.08
$524
$20,960
1.4
$56,700
$1,418
$17,010
$425
2,083
27%
$12.24
$637
0.8
164
Oregon
In Oregon, the Fair Market Rent (FMR) for a two-bedroom apartment is $807. In order to afford this level of rent and
$15.52
In Oregon, a minimum wage worker earns an hourly wage of $8.80. In order to afford the FMR for a two-bedroom
In Oregon, the estimated mean (average) wage for a renter is $12.59. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$807
Two-Bedroom FMR
$1,624
$152
$320
Minimum Wage Earner
$349
SSI Recipient
$598
$655
$487
$458
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
165
Oregon
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Oregon
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$15.52
$807
$32,289
1.8
$64,972
$1,624
$19,492
$487
543,123
36%
$12.59
$655
1.2
$12.32
$641
$25,625
1.4
$53,680
$1,342
$16,104
$403
109,803
32%
$10.13
$527
1.2
Bend MSA
$15.88
$826
$33,040
1.8
$66,400
$1,660
$19,920
$498
20,208
32%
$10.72
$557
1.5
Corvallis MSA
$14.88
$774
$30,960
1.7
$74,200
$1,855
$22,260
$557
14,312
43%
$10.43
$542
1.4
Eugene-Springfield MSA
$15.50
$806
$32,240
1.8
$59,200
$1,480
$17,760
$444
56,425
39%
$10.58
$550
1.5
Medford MSA
$15.52
$807
$32,280
1.8
$58,500
$1,463
$17,550
$439
30,551
37%
$11.34
$590
1.4
Portland-Vancouver-Beaverton MSA
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
260,400
38%
$14.33
$745
1.2
Salem MSA
$14.27
$742
$29,680
1.6
$60,000
$1,500
$18,000
$450
51,424
37%
$10.35
$538
1.4
Baker County
$11.23
$584
$23,360
1.3
$52,000
$1,300
$15,600
$390
1,989
29%
$6.35
$330
1.8
Benton County
$14.88
$774
$30,960
1.7
$74,200
$1,855
$22,260
$557
14,312
43%
$10.43
$542
1.4
Clackamas County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
42,033
29%
$12.42
$646
1.4
Clatsop County
$14.13
$735
$29,400
1.6
$56,700
$1,418
$17,010
$425
6,188
38%
$11.18
$581
1.3
Columbia County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
4,425
23%
$8.26
$430
2.1
Coos County
$12.31
$640
$25,600
1.4
$49,600
$1,240
$14,880
$372
8,991
33%
$9.63
$501
1.3
Crook County
$12.94
$673
$26,920
1.5
$56,300
$1,408
$16,890
$422
2,446
28%
$11.99
$623
1.1
Curry County
$14.12
$734
$29,360
1.6
$54,400
$1,360
$16,320
$408
3,053
29%
$8.05
$419
1.8
Deschutes County
$15.88
$826
$33,040
1.8
$66,400
$1,660
$19,920
$498
20,208
32%
$10.72
$557
1.5
Douglas County
$11.48
$597
$23,880
1.3
$51,900
$1,298
$15,570
$389
12,928
29%
$11.83
$615
1.0
Gilliam County
$13.40
$697
$27,880
1.5
$54,600
$1,365
$16,380
$410
284
33%
$17.54
$912
0.8
Grant County
$11.23
$584
$23,360
1.3
$46,800
$1,170
$14,040
$351
916
27%
$10.75
$559
1.0
Harney County
$11.96
$622
$24,880
1.4
$49,800
$1,245
$14,940
$374
1,209
36%
$8.03
$417
1.5
Hood River County
$11.38
$592
$23,680
1.3
$60,000
$1,500
$18,000
$450
2,532
32%
$8.32
$432
1.4
Jackson County
$15.52
$807
$32,280
1.8
$58,500
$1,463
$17,550
$439
30,551
37%
$11.34
$590
1.4
Jefferson County
$11.23
$584
$23,360
1.3
$48,500
$1,213
$14,550
$364
2,322
30%
$11.50
$598
1.0
Josephine County
$13.04
$678
$27,120
1.5
$49,400
$1,235
$14,820
$371
10,761
31%
$9.12
$474
1.4
Klamath County
$11.71
$609
$24,360
1.3
$54,400
$1,360
$16,320
$408
8,650
31%
$10.41
$541
1.1
Lake County
$11.23
$584
$23,360
1.3
$44,800
$1,120
$13,440
$336
1,095
32%
$8.46
$440
1.3
Metropolitan Areas
Counties
166
Oregon
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Lane County
$15.50
$806
$32,240
1.8
$59,200
$1,480
$17,760
$444
56,425
39%
$10.58
$550
Lincoln County
$12.67
$659
$26,360
1.4
$56,000
$1,400
$16,800
$420
6,779
33%
$8.48
$441
1.5
1.5
Linn County
$13.27
$690
$27,600
1.5
$58,700
$1,468
$17,610
$440
14,116
32%
$11.29
$587
1.2
Malheur County
$11.23
$584
$23,360
1.3
$49,900
$1,248
$14,970
$374
3,603
35%
$7.64
$397
1.5
Marion County
$14.27
$742
$29,680
1.6
$60,000
$1,500
$18,000
$450
42,830
38%
$10.69
$556
1.3
Morrow County
$11.56
$601
$24,040
1.3
$52,000
$1,300
$15,600
$390
1,116
29%
$12.52
$651
0.9
Multnomah County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
130,601
44%
$13.86
$720
1.2
Polk County
$14.27
$742
$29,680
1.6
$60,000
$1,500
$18,000
$450
8,594
31%
$7.50
$390
1.9
Sherman County
$11.56
$601
$24,040
1.3
$45,300
$1,133
$13,590
$340
268
33%
$14.64
$761
0.8
Tillamook County
$12.69
$660
$26,400
1.4
$55,300
$1,383
$16,590
$415
3,424
31%
$10.57
$550
1.2
Umatilla County
$11.40
$593
$23,720
1.3
$55,100
$1,378
$16,530
$413
9,554
36%
$10.48
$545
1.1
Union County
$11.35
$590
$23,600
1.3
$57,100
$1,428
$17,130
$428
3,491
34%
$8.55
$445
1.3
Wallowa County
$11.77
$612
$24,480
1.3
$54,200
$1,355
$16,260
$407
763
25%
$6.98
$363
1.7
Wasco County
$12.40
$645
$25,800
1.4
$53,600
$1,340
$16,080
$402
3,185
32%
$10.12
$526
1.2
Washington County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
73,230
37%
$16.93
$881
1.0
Wheeler County
$11.23
$584
$23,360
1.3
$43,700
$1,093
$13,110
$328
140
22%
$9.12
$474
1.2
Yamhill County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
10,111
30%
$10.02
$521
1.7
167
Pennsylvania
In Pennsylvania, the Fair Market Rent (FMR) for a two-bedroom apartment is $835. In order to afford this level of
Wage of:
$16.06
In Pennsylvania, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 89 hours per week, 52 weeks per year. Or a household must
affordable.
In Pennsylvania, the estimated mean (average) wage for a renter is $12.86. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 50 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$835
Two-Bedroom FMR
$1,723
$166
$318
Minimum Wage Earner
$458
SSI Recipient
$626
$669
$517
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
168
Pennsylvania
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Pennsylvania
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$16.06
$835
$33,404
2.2
$68,939
$1,723
$20,682
$517
1,431,969
29%
$12.86
$669
1.2
$11.62
$604
$24,177
1.6
$55,804
$1,395
$16,741
$419
187,581
24%
$9.69
$504
1.2
Metropolitan Areas
Allentown-Bethlehem-Easton HMFA
$18.35
$954
$38,160
2.5
$73,300
$1,833
$21,990
$550
74,107
27%
$11.90
$619
1.5
Altoona MSA
$11.54
$600
$24,000
1.6
$55,600
$1,390
$16,680
$417
13,965
27%
$8.48
$441
1.4
Armstrong County HMFA
$11.08
$576
$23,040
1.5
$53,800
$1,345
$16,140
$404
6,793
24%
$10.38
$540
1.1
Erie MSA
$13.21
$687
$27,480
1.8
$58,700
$1,468
$17,610
$440
33,357
31%
$8.97
$467
1.5
Harrisburg-Carlisle MSA
$14.48
$753
$30,120
2.0
$73,500
$1,838
$22,050
$551
66,493
30%
$12.89
$670
1.1
Johnstown MSA
$10.83
$563
$22,520
1.5
$52,400
$1,310
$15,720
$393
15,406
26%
$8.78
$457
1.2
Lancaster MSA
$15.75
$819
$32,760
2.2
$69,500
$1,738
$20,850
$521
57,126
30%
$11.78
$612
1.3
Lebanon MSA
$13.38
$696
$27,840
1.8
$65,700
$1,643
$19,710
$493
13,104
25%
$9.25
$481
1.4
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
484,864
32%
$16.43
$854
1.3
Pike County HMFA
$19.44
$1,011
$40,440
2.7
$65,700
$1,643
$19,710
$493
3,473
16%
$6.28
$326
3.1
Pittsburgh HMFA
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
276,460
29%
$12.10
$629
1.1
Reading MSA
$15.65
$814
$32,560
2.2
$68,000
$1,700
$20,400
$510
41,239
27%
$11.22
$584
1.4
Scranton--Wilkes-Barre MSA
$12.08
$628
$25,120
1.7
$58,900
$1,473
$17,670
$442
71,162
31%
$10.04
$522
1.2
Sharon HMFA
$12.21
$635
$25,400
1.7
$56,800
$1,420
$17,040
$426
11,549
25%
$9.13
$475
1.3
State College MSA
$16.21
$843
$33,720
2.2
$68,200
$1,705
$20,460
$512
21,960
40%
$9.19
$478
1.8
Williamsport MSA
$14.00
$728
$29,120
1.9
$54,800
$1,370
$16,440
$411
14,072
30%
$9.21
$479
1.5
York-Hanover MSA
$15.29
$795
$31,800
2.1
$70,300
$1,758
$21,090
$527
39,258
24%
$11.10
$577
1.4
Adams County
$13.83
$719
$28,760
1.9
$68,300
$1,708
$20,490
$512
8,518
22%
$9.23
$480
1.5
Allegheny County
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
172,674
33%
$13.46
$700
1.0
Armstrong County
$11.08
$576
$23,040
1.5
$53,800
$1,345
$16,140
$404
6,793
24%
$10.38
$540
1.1
Beaver County
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
17,480
25%
$10.62
$552
1.3
Bedford County
$10.83
$563
$22,520
1.5
$51,700
$1,293
$15,510
$388
4,039
20%
$8.86
$461
1.2
Berks County
$15.65
$814
$32,560
2.2
$68,000
$1,700
$20,400
$510
41,239
27%
$11.22
$584
1.4
Blair County
$11.54
$600
$24,000
1.6
$55,600
$1,390
$16,680
$417
13,965
27%
$8.48
$441
1.4
Bradford County
$10.83
$563
$22,520
1.5
$51,300
$1,283
$15,390
$385
6,255
25%
$10.94
$569
1.0
Counties
169
Pennsylvania
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Bucks County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
49,460
22%
$12.01
$625
1.7
Butler County
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
16,520
23%
$10.12
$526
1.3
Cambria County
$10.83
$563
$22,520
1.5
$52,400
$1,310
$15,720
$393
15,406
26%
$8.78
$457
1.2
Cameron County
$10.83
$563
$22,520
1.5
$54,900
$1,373
$16,470
$412
587
27%
$10.47
$545
1.0
Carbon County
$18.35
$954
$38,160
2.5
$73,300
$1,833
$21,990
$550
5,171
20%
$7.32
$381
2.5
Centre County
$16.21
$843
$33,720
2.2
$68,200
$1,705
$20,460
$512
21,960
40%
$9.19
$478
1.8
Chester County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
41,393
23%
$16.15
$840
1.3
Clarion County
$10.83
$563
$22,520
1.5
$53,900
$1,348
$16,170
$404
4,512
29%
$7.82
$407
1.4
Clearfield County
$10.83
$563
$22,520
1.5
$49,000
$1,225
$14,700
$368
7,646
23%
$8.61
$448
1.3
Clinton County
$12.06
$627
$25,080
1.7
$51,600
$1,290
$15,480
$387
4,195
28%
$8.69
$452
1.4
Columbia County
$11.79
$613
$24,520
1.6
$56,200
$1,405
$16,860
$422
7,369
28%
$9.56
$497
1.2
Crawford County
$11.21
$583
$23,320
1.5
$50,700
$1,268
$15,210
$380
9,226
26%
$9.03
$470
1.2
Cumberland County
$14.48
$753
$30,120
2.0
$73,500
$1,838
$22,050
$551
25,843
28%
$12.75
$663
1.1
Dauphin County
$14.48
$753
$30,120
2.0
$73,500
$1,838
$22,050
$551
37,227
35%
$13.20
$686
1.1
Delaware County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
58,244
28%
$13.72
$713
1.5
Elk County
$10.83
$563
$22,520
1.5
$56,100
$1,403
$16,830
$421
2,764
20%
$10.10
$525
1.1
Erie County
$13.21
$687
$27,480
1.8
$58,700
$1,468
$17,610
$440
33,357
31%
$8.97
$467
1.5
Fayette County
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
14,948
27%
$8.47
$441
1.6
Forest County
$10.83
$563
$22,520
1.5
$45,500
$1,138
$13,650
$341
283
14%
$6.94
$361
1.6
Franklin County
$12.52
$651
$26,040
1.7
$64,200
$1,605
$19,260
$482
14,992
26%
$11.30
$588
1.1
Fulton County
$10.83
$563
$22,520
1.5
$57,400
$1,435
$17,220
$431
1,321
23%
$11.79
$613
0.9
Greene County
$10.83
$563
$22,520
1.5
$51,100
$1,278
$15,330
$383
3,461
25%
$12.92
$672
0.8
Huntingdon County
$10.83
$563
$22,520
1.5
$54,500
$1,363
$16,350
$409
3,916
23%
$8.22
$427
1.3
Indiana County
$10.83
$563
$22,520
1.5
$52,700
$1,318
$15,810
$395
9,678
28%
$8.69
$452
1.2
Jefferson County
$10.83
$563
$22,520
1.5
$49,600
$1,240
$14,880
$372
4,229
23%
$8.27
$430
1.3
Juniata County
$10.83
$563
$22,520
1.5
$54,600
$1,365
$16,380
$410
2,080
23%
$9.59
$499
1.1
Lackawanna County
$12.08
$628
$25,120
1.7
$58,900
$1,473
$17,670
$442
29,264
34%
$10.20
$530
1.2
Lancaster County
$15.75
$819
$32,760
2.2
$69,500
$1,738
$20,850
$521
57,126
30%
$11.78
$612
1.3
Lawrence County
$12.46
$648
$25,920
1.7
$55,800
$1,395
$16,740
$419
7,995
22%
$9.19
$478
1.4
Lebanon County
$13.38
$696
$27,840
1.8
$65,700
$1,643
$19,710
$493
13,104
25%
$9.25
$481
1.4
Lehigh County
$18.35
$954
$38,160
2.5
$73,300
$1,833
$21,990
$550
41,448
31%
$12.92
$672
1.4
170
Pennsylvania
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Luzerne County
$12.08
$628
$25,120
1.7
$58,900
$1,473
$17,670
$442
39,371
30%
$9.76
$507
1.2
Lycoming County
$14.00
$728
$29,120
1.9
$54,800
$1,370
$16,440
$411
14,072
30%
$9.21
$479
1.5
McKean County
$11.12
$578
$23,120
1.5
$54,300
$1,358
$16,290
$407
4,443
26%
$8.81
$458
1.3
Mercer County
$12.21
$635
$25,400
1.7
$56,800
$1,420
$17,040
$426
11,549
25%
$9.13
$475
1.3
Mifflin County
$10.83
$563
$22,520
1.5
$48,500
$1,213
$14,550
$364
5,063
27%
$9.92
$516
1.1
Monroe County
$16.15
$840
$33,600
2.2
$68,900
$1,723
$20,670
$517
11,142
19%
$10.53
$548
1.5
Montgomery County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
79,034
26%
$16.66
$866
1.2
Montour County
$10.87
$565
$22,600
1.5
$62,600
$1,565
$18,780
$470
1,874
26%
$17.55
$913
0.6
Northampton County
$18.35
$954
$38,160
2.5
$73,300
$1,833
$21,990
$550
27,488
25%
$10.76
$559
1.7
Northumberland County
$10.83
$563
$22,520
1.5
$51,800
$1,295
$15,540
$389
10,830
28%
$9.18
$478
1.2
Perry County
$14.48
$753
$30,120
2.0
$73,500
$1,838
$22,050
$551
3,423
19%
$8.17
$425
1.8
Philadelphia County *
$20.67
$1,075
$43,000
2.9
$81,500
$2,038
$24,450
$611
256,733
45%
$19.18
$997
1.1
Pike County
$19.44
$1,011
$40,440
2.7
$65,700
$1,643
$19,710
$493
3,473
16%
$6.28
$326
3.1
Potter County
$10.83
$563
$22,520
1.5
$48,200
$1,205
$14,460
$362
1,744
24%
$9.88
$514
1.1
Schuylkill County
$10.83
$563
$22,520
1.5
$55,700
$1,393
$16,710
$418
13,752
23%
$9.16
$476
1.2
Snyder County
$10.87
$565
$22,600
1.5
$55,500
$1,388
$16,650
$416
3,554
25%
$9.14
$475
1.2
Somerset County
$10.83
$563
$22,520
1.5
$51,200
$1,280
$15,360
$384
6,537
22%
$8.73
$454
1.2
Sullivan County
$10.83
$563
$22,520
1.5
$51,100
$1,278
$15,330
$383
425
17%
Susquehanna County
$11.04
$574
$22,960
1.5
$52,500
$1,313
$15,750
$394
3,576
21%
$8.62
$448
1.3
Tioga County
$10.90
$567
$22,680
1.5
$50,200
$1,255
$15,060
$377
4,314
25%
$8.18
$425
1.3
Union County
$11.85
$616
$24,640
1.6
$58,300
$1,458
$17,490
$437
3,940
26%
$9.52
$495
1.2
Venango County
$10.94
$569
$22,760
1.5
$50,300
$1,258
$15,090
$377
5,618
25%
$9.21
$479
1.2
Warren County
$10.83
$563
$22,520
1.5
$54,600
$1,365
$16,380
$410
3,827
22%
$9.59
$499
1.1
Washington County
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
19,007
23%
$9.85
$512
1.4
Wayne County
$11.62
$604
$24,160
1.6
$56,100
$1,403
$16,830
$421
3,876
20%
$8.33
$433
1.4
Westmoreland County
$13.33
$693
$27,720
1.8
$64,900
$1,623
$19,470
$487
35,831
23%
$9.23
$480
1.4
Wyoming County
$12.08
$628
$25,120
1.7
$58,900
$1,473
$17,670
$442
2,527
23%
$12.49
$650
1.0
York County
$15.29
$795
$31,800
2.1
$70,300
$1,758
$21,090
$527
39,258
24%
$11.10
$577
1.4
171
Puerto Rico
In Puerto Rico, the Fair Market Rent (FMR) for a two-bedroom apartment is $514. In order to afford this level of rent
Wage of:
$9.88
In Puerto Rico, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 55 hours per week, 52 weeks per year. Or a household must
affordable.
In Puerto Rico, the estimated mean (average) wage for a renter is $6.57. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 60 hours per week, 52 weeks per year. Or, working 40 hours per
Two-Bedroom FMR
$514
$592

$341

$177
$173
$337
Minimum Wage Earner
$137
SSI Recipient
N/A
$377
Minimum Wage Earner
Not available to residents of Puerto Rico

SSI Recipient $0
$0
$200
$400
$600
Gap between
Rent
Affordable and
FMR
$800
172
Puerto Rico
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Puerto Rico
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$9.88
$514
$20,551
1.4
$23,665
$592
$7,100
$177
338,284
28%
$6.57
$341
1.5
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
16,310
27%
$4.99
$259
1.6
Aguadilla-Isabela-San Sebastin MSA
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
25,806
27%
$5.74
$298
1.5
Arecibo HMFA
$8.85
$460
$18,400
1.2
$19,400
$485
$5,820
$146
13,665
25%
$6.17
$321
1.4
Barranquitas-Aibonito-Quebradillas HMFA
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
11,512
27%
$5.78
$301
1.5
Caguas HMFA
$9.71
$505
$20,200
1.3
$26,000
$650
$7,800
$195
26,124
25%
$6.81
$354
1.4
Fajardo MSA
$10.08
$524
$20,960
1.4
$23,500
$588
$7,050
$176
5,881
24%
$6.64
$345
1.5
$8.85
$460
$18,400
1.2
$20,200
$505
$6,060
$152
6,840
25%
$8.42
$438
1.1
Metropolitan Areas
Guayama MSA
$9.52
$495
$19,800
1.3
$19,500
$488
$5,850
$146
14,362
37%
$4.84
$252
2.0
$10.23
$532
$21,280
1.4
$20,600
$515
$6,180
$155
23,118
29%
$5.00
$260
2.0
San Germn-Cabo Rojo MSA
$8.27
$430
$17,200
1.1
$19,600
$490
$5,880
$147
11,179
25%
$5.91
$308
1.4
San Juan-Guaynabo HMFA
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
174,580
28%
$6.97
$363
1.5
$8.17
$425
$17,000
1.1
$17,000
$425
$5,100
$128
8,907
26%
$5.37
$279
1.5
Adjuntas Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
1,409
27%
$4.95
$257
1.7
Aguada Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
2,735
20%
$3.97
$206
2.1
Aguadilla Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
6,159
31%
$6.07
$315
1.4
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,757
30%
$5.32
$277
2.0
Aibonito Municipio
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
2,012
24%
$6.96
$362
1.2
Aasco Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
1,792
19%
$6.39
$332
1.3
Arecibo Municipio
$8.85
$460
$18,400
1.2
$19,400
$485
$5,820
$146
7,866
25%
$6.43
$334
1.4
Arroyo Municipio
$8.85
$460
$18,400
1.2
$20,200
$505
$6,060
$152
1,516
25%
$7.93
$413
1.1
Barceloneta Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,768
22%
$8.95
$466
1.2
Barranquitas Municipio
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
2,210
24%
$5.40
$281
1.6
Bayamn Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
18,952
26%
$5.48
$285
1.9
Cabo Rojo Municipio
$8.27
$430
$17,200
1.1
$19,600
$490
$5,880
$147
3,372
21%
$4.58
$238
1.8
Caguas Municipio
$9.71
$505
$20,200
1.3
$26,000
$650
$7,800
$195
12,585
26%
$5.74
$299
1.7
Camuy Municipio
$8.85
$460
$18,400
1.2
$19,400
$485
$5,820
$146
2,680
25%
$5.00
$260
1.8
Mayagez MSA
Ponce MSA
Yauco MSA
Counties
Aguas Buenas Municipio
173
Puerto Rico
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Canvanas Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,480
18%
$5.91
$307
1.8
Carolina Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
16,344
27%
$6.37
$331
1.7
Catao Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
3,469
37%
$5.46
$284
2.0
Cayey Municipio
$9.71
$505
$20,200
1.3
$26,000
$650
$7,800
$195
4,536
29%
$8.39
$436
1.2
Ceiba Municipio
$10.08
$524
$20,960
1.4
$23,500
$588
$7,050
$176
958
21%
$6.75
$351
1.5
Ciales Municipio
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
1,524
27%
$4.17
$217
2.1
Cidra Municipio
$9.71
$505
$20,200
1.3
$26,000
$650
$7,800
$195
3,546
26%
$9.51
$494
1.0
Coamo Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
2,546
20%
$3.49
$182
2.3
Comero Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,924
30%
$5.74
$298
1.9
Corozal Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,708
25%
$5.16
$269
2.1
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
123
21%
Dorado Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,815
15%
$7.92
$412
1.3
Fajardo Municipio
$10.08
$524
$20,960
1.4
$23,500
$588
$7,050
$176
3,453
27%
$6.65
$346
1.5
Florida Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
884
22%
$6.76
$351
1.6
Gunica Municipio
$8.17
$425
$17,000
1.1
$17,000
$425
$5,100
$128
2,023
31%
$4.48
$233
1.8
Guayama Municipio
$8.85
$460
$18,400
1.2
$20,200
$505
$6,060
$152
4,095
28%
$8.60
$447
1.0
Guayanilla Municipio
$8.17
$425
$17,000
1.1
$17,000
$425
$5,100
$128
1,438
22%
$4.96
$258
1.6
Guaynabo Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
8,196
24%
$7.40
$385
1.4
Gurabo Municipio
$9.71
$505
$20,200
1.3
$26,000
$650
$7,800
$195
1,948
15%
$7.96
$414
1.2
Hatillo Municipio
$8.85
$460
$18,400
1.2
$19,400
$485
$5,820
$146
3,119
24%
$6.00
$312
1.5
Hormigueros Municipio
$9.52
$495
$19,800
1.3
$19,500
$488
$5,850
$146
1,707
28%
$5.77
$300
1.6
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
4,188
22%
$6.59
$343
1.6
Isabela Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
5,177
35%
$6.73
$350
1.2
Jayuya Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
1,539
33%
$6.96
$362
1.2
Juana Daz Municipio
$10.23
$532
$21,280
1.4
$20,600
$515
$6,180
$155
3,673
24%
$7.18
$374
1.4
Juncos Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,948
24%
$10.63
$553
1.0
Lajas Municipio
$8.27
$430
$17,200
1.1
$19,600
$490
$5,880
$147
2,692
32%
$4.47
$232
1.9
Lares Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
3,158
31%
$4.54
$236
1.8
Las Maras Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
1,069
30%
$3.82
$199
2.1
Las Piedras Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,726
24%
$10.65
$554
1.0
Loza Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,894
21%
$6.71
$349
1.6
Culebra Municipio
Humacao Municipio
174
Puerto Rico
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Luquillo Municipio
$10.08
$524
$20,960
1.4
$23,500
$588
$7,050
$176
1,470
22%
$6.57
$342
1.5
Manat Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
4,089
27%
$6.59
$343
1.6
Maricao Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
494
30%
$6.09
$317
1.3
Maunabo Municipio
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
757
19%
$5.13
$267
1.7
Mayagez Municipio
$9.52
$495
$19,800
1.3
$19,500
$488
$5,850
$146
12,655
39%
$4.79
$249
2.0
Moca Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
2,335
20%
$5.76
$300
1.5
Morovis Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,778
20%
$4.04
$210
2.6
Naguabo Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,618
20%
$5.48
$285
1.9
Naranjito Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
1,867
23%
$5.98
$311
1.8
Orocovis Municipio
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
1,877
28%
$5.46
$284
1.6
Patillas Municipio
$8.85
$460
$18,400
1.2
$20,200
$505
$6,060
$152
1,229
19%
$7.80
$406
1.1
Peuelas Municipio
$8.17
$425
$17,000
1.1
$17,000
$425
$5,100
$128
1,535
21%
$6.71
$349
1.2
$10.23
$532
$21,280
1.4
$20,600
$515
$6,180
$155
17,818
32%
$4.54
$236
2.3
Quebradillas Municipio
$8.67
$451
$18,040
1.2
$16,800
$420
$5,040
$126
3,132
39%
$4.30
$224
2.0
Rincn Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
1,158
21%
$6.64
$345
1.3
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
3,232
19%
$5.85
$304
1.8
Sabana Grande Municipio
$8.27
$430
$17,200
1.1
$19,600
$490
$5,880
$147
2,004
24%
$5.27
$274
1.6
Salinas Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
2,890
28%
$6.23
$324
1.3
San Germn Municipio
$8.27
$430
$17,200
1.1
$19,600
$490
$5,880
$147
3,111
26%
$7.26
$378
1.1
Ponce Municipio
Ro Grande Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
64,891
43%
$7.39
$384
1.4
San Lorenzo Municipio
$9.71
$505
$20,200
1.3
$26,000
$650
$7,800
$195
3,509
27%
$9.55
$497
1.0
San Sebastin Municipio
$8.38
$436
$17,440
1.2
$16,600
$415
$4,980
$125
3,292
26%
$5.01
$260
1.7
Santa Isabel Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
1,989
26%
$3.90
$203
2.1
Toa Alta Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
3,524
16%
$3.93
$205
2.7
Toa Baja Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
6,393
21%
$8.26
$430
1.3
Trujillo Alto Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
6,522
26%
$3.65
$190
2.9
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
3,537
35%
$4.75
$247
1.7
Vega Alta Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,071
17%
$6.77
$352
1.6
Vega Baja Municipio
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,761
15%
$8.32
$433
1.3
Vieques Municipio
$8.17
$425
$17,000
1.1
$17,400
$435
$5,220
$131
714
22%
$8.92
$464
0.9
Villalba Municipio
$10.23
$532
$21,280
1.4
$20,600
$515
$6,180
$155
1,627
22%
$8.15
$424
1.3
San Juan Municipio
Utuado Municipio
175
Puerto Rico
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Yabucoa Municipio
Yauco Municipio
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$10.65
$554
$22,160
1.5
$27,300
$683
$8,190
$205
2,781
23%
$6.56
$341
1.6
$8.17
$425
$17,000
1.1
$17,000
$425
$5,100
$128
3,911
28%
$5.19
$270
1.6
176
Rhode Island
In Rhode Island, the Fair Market Rent (FMR) for a two-bedroom apartment is $924. In order to afford this level of
Wage of:
$17.78
In Rhode Island, a minimum wage worker earns an hourly wage of $7.40. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 96 hours per week, 52 weeks per year. Or a household must
affordable.
In Rhode Island, the estimated mean (average) wage for a renter is $11.64. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 61 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$924
Two-Bedroom FMR
$1,920

$605
$319
$576
$348
Minimum Wage Earner
$539
SSI Recipient
$715
$385
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
$2,500
177
Rhode Island
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Rhode Island
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
$17.78
$924
$36,974
2.4
$76,814
$1,920
$23,044
$576
Newport-Middleton-Portsmouth HMFA
$21.60
$1,123
$44,920
2.9
$90,400
$2,260
$27,120
Providence-Fall River HMFA
$17.50
$910
$36,400
2.4
$75,600
$1,890
$22,680
Westerly-Hopkinton-New Shoreham HMFA
$17.10
$889
$35,560
2.3
$85,600
$2,140
$25,680
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
153,760
37%
$11.64
$605
1.5
$678
10,713
43%
$12.13
$631
1.8
$567
139,457
37%
$11.70
$609
1.5
$642
3,590
27%
$8.67
$451
2.0
Metropolitan Areas
178
Towns within Rhode Island FMR Areas

Newport-Middleton-Portsmouth, RI HMFA
Newport County
Middletown town, Newport city, Portsmouth town
Providence-Fall River, RI-MA HMFA
Bristol County
Barrington town, Bristol town, Warren town
Kent County
Coventry town, East Greenwich town, Warwick city, West Greenwich town, West Warwick town
Newport County
Jamestown town, Little Compton town, Tiverton town
Providence County
Burrillville town, Central Falls city, Cranston city, Cumberland town, East Providence city, Foster town, Glocester town, Johnston town, Lincoln town, North
Providence town, North Smithfield town, Pawtucket city, Providence city, Scituate town, Smithfield town, Woonsocket city
Washington County
Charlestown town, Exeter town, Narragansett town, North Kingstown town, Richmond town, South Kingstown town
Westerly-Hopkinton-New Shoreham, RI HMFA
Washington County
Hopkinton town, New Shoreham town, Westerly town
179
South Carolina
In South Carolina, the Fair Market Rent (FMR) for a two-bedroom apartment is $698. In order to afford this level of
Wage of:
$13.43
In South Carolina, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 74 hours per week, 52 weeks per year. Or a household must
affordable.
In South Carolina, the estimated mean (average) wage for a renter is $10.99. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 49 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$698
Two-Bedroom FMR
$1,431
$127
$269
Minimum Wage Earner
$321
SSI Recipient
$489
$571
$429
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
180
South Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
South Carolina
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.43
$698
$27,929
1.9
$57,251
$1,431
$17,175
$429
524,492
30%
$10.99
$571
1.2
$11.47
$596
$23,849
1.6
$49,284
$1,232
$14,785
$370
115,964
28%
$9.75
$507
1.2
Anderson MSA
$11.71
$609
$24,360
1.6
$56,100
$1,403
$16,830
$421
18,701
26%
$8.52
$443
1.4
Augusta-Richmond County MSA
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
18,650
26%
$12.42
$646
1.1
Charleston-North Charleston-Summerville MSA
$16.81
$874
$34,960
2.3
$63,000
$1,575
$18,900
$473
83,073
34%
$12.66
$658
1.3
Charlotte-Gastonia-Concord HMFA
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
22,887
28%
$10.53
$548
1.4
Columbia HMFA
$14.79
$769
$30,760
2.0
$64,500
$1,613
$19,350
$484
85,378
32%
$11.84
$616
1.2
Darlington County HMFA
$10.92
$568
$22,720
1.5
$50,000
$1,250
$15,000
$375
6,697
26%
$12.17
$633
0.9
Florence HMFA
$11.65
$606
$24,240
1.6
$51,800
$1,295
$15,540
$389
17,524
34%
$10.18
$529
1.1
Greenville-Mauldin-Easley MSA
$11.98
$623
$24,920
1.7
$59,000
$1,475
$17,700
$443
67,775
31%
$11.10
$577
1.1
Kershaw County HMFA
$11.29
$587
$23,480
1.6
$56,800
$1,420
$17,040
$426
4,447
19%
$9.58
$498
1.2
Laurens County HMFA
$10.79
$561
$22,440
1.5
$49,300
$1,233
$14,790
$370
7,418
29%
$9.69
$504
1.1
Myrtle Beach-North Myrtle Beach-Conway MSA
$15.54
$808
$32,320
2.1
$55,000
$1,375
$16,500
$413
32,457
29%
$9.16
$476
1.7
Spartanburg MSA
$11.98
$623
$24,920
1.7
$56,900
$1,423
$17,070
$427
30,632
29%
$11.28
$586
1.1
Sumter MSA
$11.46
$596
$23,840
1.6
$47,700
$1,193
$14,310
$358
12,889
33%
$10.07
$523
1.1
Abbeville County
$10.15
$528
$21,120
1.4
$46,900
$1,173
$14,070
$352
2,233
23%
$5.42
$282
1.9
Aiken County
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
16,581
27%
$12.98
$675
1.0
Allendale County
$10.15
$528
$21,120
1.4
$26,200
$655
$7,860
$197
1,416
41%
$16.80
$874
0.6
Anderson County
$11.71
$609
$24,360
1.6
$56,100
$1,403
$16,830
$421
18,701
26%
$8.52
$443
1.4
Bamberg County
$10.15
$528
$21,120
1.4
$40,900
$1,023
$12,270
$307
1,534
27%
$6.92
$360
1.5
Barnwell County
$10.15
$528
$21,120
1.4
$44,800
$1,120
$13,440
$336
2,288
27%
$8.65
$450
1.2
Beaufort County
$16.79
$873
$34,920
2.3
$69,800
$1,745
$20,940
$524
18,591
29%
$10.67
$555
1.6
Berkeley County
$16.81
$874
$34,960
2.3
$63,000
$1,575
$18,900
$473
17,890
30%
$14.57
$757
1.2
Calhoun County
$14.79
$769
$30,760
2.0
$64,500
$1,613
$19,350
$484
1,109
18%
$10.84
$564
1.4
Charleston County
$16.81
$874
$34,960
2.3
$63,000
$1,575
$18,900
$473
52,825
38%
$12.78
$665
1.3
Cherokee County
$10.15
$528
$21,120
1.4
$49,100
$1,228
$14,730
$368
6,615
32%
$10.50
$546
1.0
Chester County
$10.15
$528
$21,120
1.4
$42,700
$1,068
$12,810
$320
2,962
24%
$10.29
$535
1.0
Metropolitan Areas
Counties
181
South Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Chesterfield County
$10.15
$528
$21,120
1.4
$44,100
$1,103
$13,230
$331
4,544
26%
$9.65
$502
1.1
Clarendon County
$10.15
$528
$21,120
1.4
$41,500
$1,038
$12,450
$311
3,230
26%
$7.74
$403
1.3
Colleton County
$10.15
$528
$21,120
1.4
$43,500
$1,088
$13,050
$326
4,192
28%
$9.37
$487
1.1
Darlington County
$10.92
$568
$22,720
1.5
$50,000
$1,250
$15,000
$375
6,697
26%
$12.17
$633
0.9
Dillon County
$10.15
$528
$21,120
1.4
$37,300
$933
$11,190
$280
4,471
38%
$9.44
$491
1.1
Dorchester County
$16.81
$874
$34,960
2.3
$63,000
$1,575
$18,900
$473
12,358
26%
$9.38
$488
1.8
Edgefield County
$13.31
$692
$27,680
1.8
$57,900
$1,448
$17,370
$434
2,069
23%
$6.01
$312
2.2
Fairfield County
$14.79
$769
$30,760
2.0
$64,500
$1,613
$19,350
$484
2,255
25%
$15.56
$809
1.0
Florence County
$11.65
$606
$24,240
1.6
$51,800
$1,295
$15,540
$389
17,524
34%
$10.18
$529
1.1
Georgetown County
$12.17
$633
$25,320
1.7
$57,600
$1,440
$17,280
$432
5,752
26%
$8.30
$432
1.5
Greenville County
$11.98
$623
$24,920
1.7
$59,000
$1,475
$17,700
$443
54,823
32%
$11.49
$597
1.0
Greenwood County
$10.42
$542
$21,680
1.4
$53,200
$1,330
$15,960
$399
7,897
30%
$10.41
$541
1.0
Hampton County
$10.35
$538
$21,520
1.4
$44,000
$1,100
$13,200
$330
1,759
24%
$10.37
$539
1.0
Horry County
$15.54
$808
$32,320
2.1
$55,000
$1,375
$16,500
$413
32,457
29%
$9.16
$476
1.7
Jasper County
$13.19
$686
$27,440
1.8
$45,800
$1,145
$13,740
$344
2,108
27%
$11.09
$577
1.2
Kershaw County
$11.29
$587
$23,480
1.6
$56,800
$1,420
$17,040
$426
4,447
19%
$9.58
$498
1.2
Lancaster County
$10.63
$553
$22,120
1.5
$50,900
$1,273
$15,270
$382
7,255
26%
$9.67
$503
1.1
Laurens County
$10.79
$561
$22,440
1.5
$49,300
$1,233
$14,790
$370
7,418
29%
$9.69
$504
1.1
Lee County
$10.15
$528
$21,120
1.4
$38,200
$955
$11,460
$287
1,883
28%
$10.35
$538
1.0
Lexington County
$14.79
$769
$30,760
2.0
$64,500
$1,613
$19,350
$484
25,391
25%
$10.32
$536
1.4
Marion County
$10.15
$528
$21,120
1.4
$37,000
$925
$11,100
$278
4,104
34%
$7.44
$387
1.4
Marlboro County
$10.15
$528
$21,120
1.4
$33,100
$828
$9,930
$248
3,299
34%
$12.16
$632
0.8
McCormick County
$10.15
$528
$21,120
1.4
$42,900
$1,073
$12,870
$322
930
23%
$5.26
$273
1.9
Newberry County
$10.87
$565
$22,600
1.5
$52,500
$1,313
$15,750
$394
3,839
27%
$8.58
$446
1.3
Oconee County
$10.15
$528
$21,120
1.4
$47,000
$1,175
$14,100
$353
6,910
23%
$12.65
$658
0.8
Orangeburg County
$10.35
$538
$21,520
1.4
$42,600
$1,065
$12,780
$320
11,054
32%
$7.58
$394
1.4
Pickens County
$11.98
$623
$24,920
1.7
$59,000
$1,475
$17,700
$443
12,952
29%
$8.06
$419
1.5
Richland County
$14.79
$769
$30,760
2.0
$64,500
$1,613
$19,350
$484
55,011
39%
$12.56
$653
1.2
Saluda County
$14.79
$769
$30,760
2.0
$64,500
$1,613
$19,350
$484
1,612
24%
$9.40
$489
1.6
Spartanburg County
$11.98
$623
$24,920
1.7
$56,900
$1,423
$17,070
$427
30,632
29%
$11.28
$586
1.1
Sumter County
$11.46
$596
$23,840
1.6
$47,700
$1,193
$14,310
$358
12,889
33%
$10.07
$523
1.1
182
South Carolina
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Union County
$10.15
$528
$21,120
1.4
$44,900
$1,123
$13,470
$337
3,248
27%
$8.72
$454
Williamsburg County
$10.15
$528
$21,120
1.4
$34,400
$860
$10,320
$258
3,850
35%
$9.77
$508
1.2
1.0
York County
$15.21
$791
$31,640
2.1
$68,500
$1,713
$20,550
$514
22,887
28%
$10.53
$548
1.4
183
South Dakota
In South Dakota, the Fair Market Rent (FMR) for a two-bedroom apartment is $599. In order to afford this level of
Wage of:
$11.52
In South Dakota, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 64 hours per week, 52 weeks per year. Or a household must
affordable.
In South Dakota, the estimated mean (average) wage for a renter is $9.61. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 48 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$599
Two-Bedroom FMR
$1,507
$99
$147
Minimum Wage Earner
$222
SSI Recipient
$390
$500
$452
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
184
South Dakota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
South Dakota
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$11.52
$599
$23,954
1.6
$60,281
$1,507
$18,084
$452
98,218
31%
$9.61
$500
1.2
$10.57
$549
$21,980
1.5
$56,945
$1,424
$17,083
$427
53,569
31%
$8.36
$435
1.3
Meade County HMFA
$11.02
$573
$22,920
1.5
$52,100
$1,303
$15,630
$391
2,662
27%
$9.43
$490
1.2
Rapid City HMFA
$12.58
$654
$26,160
1.7
$58,100
$1,453
$17,430
$436
13,334
33%
$9.27
$482
1.4
Sioux City MSA
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
1,445
25%
$13.76
$715
0.9
Sioux Falls MSA
$12.88
$670
$26,800
1.8
$68,900
$1,723
$20,670
$517
27,208
31%
$10.96
$570
1.2
Metropolitan Areas
Counties
Aurora County
$10.15
$528
$21,120
1.4
$57,600
$1,440
$17,280
$432
247
24%
$8.17
$425
1.2
Beadle County
$10.40
$541
$21,640
1.4
$61,000
$1,525
$18,300
$458
2,509
35%
$9.33
$485
1.1
Bennett County
$10.15
$528
$21,120
1.4
$39,500
$988
$11,850
$296
423
40%
$7.05
$367
1.4
Bon Homme County
$10.15
$528
$21,120
1.4
$52,500
$1,313
$15,750
$394
436
17%
$6.56
$341
1.5
Brookings County
$10.92
$568
$22,720
1.5
$67,000
$1,675
$20,100
$503
4,671
41%
$8.22
$428
1.3
Brown County
$10.15
$528
$21,120
1.4
$61,000
$1,525
$18,300
$458
4,605
31%
$9.04
$470
1.1
Brule County
$10.15
$528
$21,120
1.4
$62,400
$1,560
$18,720
$468
574
28%
$6.29
$327
1.6
Buffalo County
$11.92
$620
$24,800
1.6
$26,900
$673
$8,070
$202
359
71%
Butte County
$11.35
$590
$23,600
1.6
$49,400
$1,235
$14,820
$371
957
24%
$6.65
$346
1.7
Campbell County
$10.15
$528
$21,120
1.4
$51,700
$1,293
$15,510
$388
93
15%
$8.85
$460
1.1
Charles Mix County
$10.15
$528
$21,120
1.4
$48,400
$1,210
$14,520
$363
1,011
31%
$7.26
$378
1.4
Clark County
$10.15
$528
$21,120
1.4
$56,100
$1,403
$16,830
$421
256
18%
$5.95
$309
1.7
Clay County
$10.88
$566
$22,640
1.5
$59,600
$1,490
$17,880
$447
2,046
41%
$6.17
$321
1.8
Codington County
$10.87
$565
$22,600
1.5
$60,600
$1,515
$18,180
$455
3,445
30%
$9.30
$484
1.2
Corson County
$10.15
$528
$21,120
1.4
$39,100
$978
$11,730
$293
496
45%
$12.31
$640
0.8
Custer County
$10.15
$528
$21,120
1.4
$61,000
$1,525
$18,300
$458
791
22%
$7.88
$410
1.3
Davison County
$11.10
$577
$23,080
1.5
$57,900
$1,448
$17,370
$434
2,989
37%
$9.67
$503
1.1
Day County
$10.15
$528
$21,120
1.4
$50,400
$1,260
$15,120
$378
772
31%
$7.90
$411
1.3
Deuel County
$10.15
$528
$21,120
1.4
$57,900
$1,448
$17,370
$434
327
18%
$9.97
$518
1.0
Dewey County
$10.15
$528
$21,120
1.4
$48,000
$1,200
$14,400
$360
732
43%
$6.85
$356
1.5
Douglas County
$10.15
$528
$21,120
1.4
$49,300
$1,233
$14,790
$370
280
23%
$9.23
$480
1.1
185
South Dakota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Edmunds County
$10.87
$565
$22,600
1.5
$59,400
$1,485
$17,820
$446
306
19%
$7.64
$397
1.4
Fall River County
$11.63
$605
$24,200
1.6
$54,000
$1,350
$16,200
$405
1,060
35%
$6.46
$336
1.8
Faulk County
$10.15
$528
$21,120
1.4
$57,800
$1,445
$17,340
$434
182
20%
$6.87
$357
1.5
Grant County
$10.44
$543
$21,720
1.4
$53,800
$1,345
$16,140
$404
804
25%
$12.28
$639
0.9
Gregory County
$10.15
$528
$21,120
1.4
$50,400
$1,260
$15,120
$378
445
23%
$6.35
$330
1.6
Haakon County
$10.15
$528
$21,120
1.4
$64,500
$1,613
$19,350
$484
143
19%
$12.24
$636
0.8
Hamlin County
$10.15
$528
$21,120
1.4
$58,500
$1,463
$17,550
$439
343
17%
$10.16
$528
1.0
Hand County
$10.15
$528
$21,120
1.4
$56,000
$1,400
$16,800
$420
405
27%
$7.77
$404
1.3
Hanson County
$10.15
$528
$21,120
1.4
$55,700
$1,393
$16,710
$418
179
15%
$12.59
$654
0.8
Harding County
$10.31
$536
$21,440
1.4
$46,300
$1,158
$13,890
$347
135
26%
$10.72
$557
1.0
Hughes County
$11.02
$573
$22,920
1.5
$71,300
$1,783
$21,390
$535
2,195
31%
$7.25
$377
1.5
Hutchinson County
$10.15
$528
$21,120
1.4
$54,900
$1,373
$16,470
$412
623
21%
$8.02
$417
1.3
Hyde County
$10.15
$528
$21,120
1.4
$54,100
$1,353
$16,230
$406
139
24%
$9.33
$485
1.1
Jackson County
$10.15
$528
$21,120
1.4
$41,900
$1,048
$12,570
$314
340
35%
$6.19
$322
1.6
Jerauld County
$10.15
$528
$21,120
1.4
$44,500
$1,113
$13,350
$334
273
30%
$9.34
$486
1.1
Jones County
$10.15
$528
$21,120
1.4
$60,900
$1,523
$18,270
$457
127
27%
$7.66
$398
1.3
Kingsbury County
$10.15
$528
$21,120
1.4
$58,400
$1,460
$17,520
$438
516
22%
$9.50
$494
1.1
Lake County
$10.15
$528
$21,120
1.4
$59,900
$1,498
$17,970
$449
1,316
29%
$6.53
$339
1.6
Lawrence County
$10.42
$542
$21,680
1.4
$60,000
$1,500
$18,000
$450
3,762
35%
$7.16
$372
1.5
Lincoln County
$12.88
$670
$26,800
1.8
$68,900
$1,723
$20,670
$517
3,765
24%
$10.65
$554
1.2
Lyman County
$10.15
$528
$21,120
1.4
$44,100
$1,103
$13,230
$331
572
39%
$7.44
$387
1.4
Marshall County
$10.15
$528
$21,120
1.4
$50,300
$1,258
$15,090
$377
518
30%
$10.00
$520
1.0
McCook County
$12.88
$670
$26,800
1.8
$68,900
$1,723
$20,670
$517
435
20%
$8.51
$442
1.5
McPherson County
$10.31
$536
$21,440
1.4
$47,000
$1,175
$14,100
$353
210
20%
$5.32
$277
1.9
Meade County
$11.02
$573
$22,920
1.5
$52,100
$1,303
$15,630
$391
2,662
27%
$9.43
$490
1.2
Mellette County
$10.15
$528
$21,120
1.4
$39,500
$988
$11,850
$296
226
33%
$7.23
$376
1.4
Miner County
$10.15
$528
$21,120
1.4
$54,900
$1,373
$16,470
$412
205
19%
$8.68
$451
1.2
Minnehaha County
$12.88
$670
$26,800
1.8
$68,900
$1,723
$20,670
$517
22,319
34%
$11.07
$575
1.2
Moody County
$10.15
$528
$21,120
1.4
$65,100
$1,628
$19,530
$488
568
22%
$11.97
$623
0.8
Pennington County
$12.58
$654
$26,160
1.7
$58,100
$1,453
$17,430
$436
13,334
33%
$9.27
$482
1.4
Perkins County
$12.33
$641
$25,640
1.7
$49,800
$1,245
$14,940
$374
419
31%
$9.32
$484
1.3
186
South Dakota
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Potter County
$10.15
$528
$21,120
1.4
$54,200
$1,355
$16,260
$407
183
18%
$8.23
$428
1.2
Roberts County
$10.15
$528
$21,120
1.4
$46,100
$1,153
$13,830
$346
1,103
29%
$7.65
$398
1.3
Sanborn County
$10.75
$559
$22,360
1.5
$57,100
$1,428
$17,130
$428
226
23%
$7.96
$414
1.4
Shannon County
$10.15
$528
$21,120
1.4
$32,500
$813
$9,750
$244
1,376
49%
$11.02
$573
0.9
Spink County
$10.15
$528
$21,120
1.4
$61,500
$1,538
$18,450
$461
589
22%
$7.41
$386
1.4
Stanley County
$13.73
$714
$28,560
1.9
$64,000
$1,600
$19,200
$480
277
24%
$7.83
$407
1.8
Sully County
$11.56
$601
$24,040
1.6
$64,400
$1,610
$19,320
$483
126
21%
$10.89
$566
1.1
Todd County
$10.15
$528
$21,120
1.4
$31,600
$790
$9,480
$237
1,516
59%
$11.22
$583
0.9
Tripp County
$10.65
$554
$22,160
1.5
$50,200
$1,255
$15,060
$377
672
26%
$7.00
$364
1.5
Turner County
$12.88
$670
$26,800
1.8
$68,900
$1,723
$20,670
$517
689
20%
$8.86
$461
1.5
Union County
$12.06
$627
$25,080
1.7
$59,600
$1,490
$17,880
$447
1,445
25%
$13.76
$715
0.9
Walworth County
$10.15
$528
$21,120
1.4
$47,800
$1,195
$14,340
$359
513
23%
$6.45
$335
1.6
Yankton County
$10.87
$565
$22,600
1.5
$61,000
$1,525
$18,300
$458
2,593
30%
$7.09
$369
1.5
Ziebach County
$10.15
$528
$21,120
1.4
$27,600
$690
$8,280
$207
365
47%
$11.59
$603
0.9
187
Tennessee
In Tennessee, the Fair Market Rent (FMR) for a two-bedroom apartment is $653. In order to afford this level of rent
Wage of:
$12.56
In Tennessee, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Tennessee, the estimated mean (average) wage for a renter is $12.15. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 41 hours per week, 52 weeks per year. Or, working 40 hours per
$653
Two-Bedroom FMR
$1,419
$21
$227
Minimum Wage Earner
$276
SSI Recipient
$444
$632

$426
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
Gap between Rent

Affordable and
FMR
$1,500
188
Tennessee
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Tennessee
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.56
$653
$26,127
1.7
$56,759
$1,419
$17,028
$426
743,489
30%
$12.15
$632
1.0
$10.24
$533
$21,302
1.4
$47,120
$1,178
$14,136
$353
173,344
26%
$9.49
$493
1.1
Chattanooga MSA
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
49,878
33%
$11.56
$601
1.0
Clarksville HMFA
$13.12
$682
$27,280
1.8
$54,200
$1,355
$16,260
$407
21,104
35%
$10.12
$526
1.3
Cleveland MSA
$12.08
$628
$25,120
1.7
$52,000
$1,300
$15,600
$390
13,340
30%
$11.19
$582
1.1
Hickman County HMFA
$10.21
$531
$21,240
1.4
$47,200
$1,180
$14,160
$354
1,985
22%
$7.59
$395
1.3
Jackson MSA
$13.25
$689
$27,560
1.8
$54,400
$1,360
$16,320
$408
13,730
32%
$9.40
$489
1.4
Johnson City MSA
$11.06
$575
$23,000
1.5
$51,200
$1,280
$15,360
$384
24,300
30%
$9.57
$498
1.2
Kingsport-Bristol-Bristol MSA
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
21,795
24%
$11.39
$592
1.0
Knoxville MSA
$12.71
$661
$26,440
1.8
$62,200
$1,555
$18,660
$467
84,232
30%
$11.22
$584
1.1
$9.77
$508
$20,320
1.3
$43,500
$1,088
$13,050
$326
2,017
25%
$8.27
$430
1.2
Memphis HMFA
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
138,145
37%
$13.97
$726
1.0
Morristown MSA
$10.73
$558
$22,320
1.5
$49,400
$1,235
$14,820
$371
13,457
26%
$10.53
$547
1.0
Nashville-Davidson--Murfreesboro--Franklin MSA
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
183,538
32%
$14.08
$732
1.0
Smith County HMFA
$10.19
$530
$21,200
1.4
$56,800
$1,420
$17,040
$426
1,600
23%
$6.90
$359
1.5
$9.73
$506
$20,240
1.3
$47,800
$1,195
$14,340
$359
1,024
19%
$7.01
$364
1.4
Anderson County
$12.71
$661
$26,440
1.8
$62,200
$1,555
$18,660
$467
8,737
28%
$14.49
$754
0.9
Bedford County
$10.56
$549
$21,960
1.5
$47,100
$1,178
$14,130
$353
5,028
31%
$9.62
$500
1.1
Benton County
$9.73
$506
$20,240
1.3
$44,900
$1,123
$13,470
$337
1,174
17%
$6.57
$341
1.5
Bledsoe County
$9.73
$506
$20,240
1.3
$39,700
$993
$11,910
$298
1,030
23%
$8.47
$441
1.1
Blount County
$12.71
$661
$26,440
1.8
$62,200
$1,555
$18,660
$467
11,509
24%
$12.02
$625
1.1
Bradley County
$12.08
$628
$25,120
1.7
$52,000
$1,300
$15,600
$390
12,123
32%
$11.35
$590
1.1
Metropolitan Areas
Macon County HMFA
Stewart County HMFA
Counties
$9.73
$506
$20,240
1.3
$38,400
$960
$11,520
$288
4,425
28%
$7.92
$412
1.2
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
1,265
24%
$10.19
$530
1.4
Carroll County
$9.73
$506
$20,240
1.3
$47,600
$1,190
$14,280
$357
2,522
23%
$8.01
$417
1.2
Carter County
$11.06
$575
$23,000
1.5
$51,200
$1,280
$15,360
$384
6,390
27%
$7.90
$411
1.4
Cheatham County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
2,715
19%
$9.41
$489
1.5
Campbell County
Cannon County
189
Tennessee
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.25
$689
$27,560
1.8
$54,400
$1,360
$16,320
$408
1,542
26%
$8.64
$449
1.5
Claiborne County
$9.73
$506
$20,240
1.3
$43,700
$1,093
$13,110
$328
2,846
23%
$8.20
$426
1.2
Clay County
$9.73
$506
$20,240
1.3
$45,700
$1,143
$13,710
$343
799
22%
$6.19
$322
1.6
Cocke County
$9.73
$506
$20,240
1.3
$43,400
$1,085
$13,020
$326
3,986
27%
$8.95
$465
1.1
Coffee County
$11.02
$573
$22,920
1.5
$51,700
$1,293
$15,510
$388
5,789
28%
$11.01
$572
1.0
0.8
Chester County
$9.73
$506
$20,240
1.3
$47,800
$1,195
$14,340
$359
1,748
32%
$12.09
$629
Cumberland County
$10.38
$540
$21,600
1.4
$46,100
$1,153
$13,830
$346
4,815
21%
$8.55
$445
1.2
Davidson County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
106,956
42%
$15.83
$823
0.9
Decatur County
$9.73
$506
$20,240
1.3
$40,000
$1,000
$12,000
$300
1,093
22%
$8.90
$463
1.1
DeKalb County
$10.10
$525
$21,000
1.4
$47,900
$1,198
$14,370
$359
1,985
28%
$8.84
$460
1.1
Dickson County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
4,897
26%
$9.59
$499
1.5
Dyer County
$10.27
$534
$21,360
1.4
$45,600
$1,140
$13,680
$342
5,282
35%
$8.86
$461
1.2
Fayette County
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
2,254
17%
$9.63
$501
1.4
Fentress County
$9.73
$506
$20,240
1.3
$39,500
$988
$11,850
$296
1,682
23%
$7.42
$386
1.3
Franklin County
$10.35
$538
$21,520
1.4
$52,800
$1,320
$15,840
$396
3,573
23%
$9.32
$485
1.1
$9.81
$510
$20,400
1.4
$48,900
$1,223
$14,670
$367
5,476
28%
$8.21
$427
1.2
Giles County
$10.04
$522
$20,880
1.4
$50,100
$1,253
$15,030
$376
2,959
25%
$7.33
$381
1.4
Grainger County
$10.73
$558
$22,320
1.5
$49,400
$1,235
$14,820
$371
1,510
18%
$9.28
$483
1.2
$9.73
$506
$20,240
1.3
$44,900
$1,123
$13,470
$337
7,247
26%
$10.43
$542
0.9
Crockett County
Gibson County
Greene County
$9.73
$506
$20,240
1.3
$34,400
$860
$10,320
$258
1,016
19%
$7.79
$405
1.2
Hamblen County
$10.73
$558
$22,320
1.5
$49,400
$1,235
$14,820
$371
7,013
29%
$11.01
$573
1.0
Hamilton County
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
46,151
34%
$11.67
$607
1.0
Hancock County
$9.73
$506
$20,240
1.3
$33,200
$830
$9,960
$249
856
28%
$5.87
$305
1.7
Hardeman County
$9.73
$506
$20,240
1.3
$43,400
$1,085
$13,020
$326
2,411
27%
$10.23
$532
1.0
Grundy County
$9.73
$506
$20,240
1.3
$40,400
$1,010
$12,120
$303
2,393
23%
$10.29
$535
0.9
Hawkins County
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
5,656
24%
$10.17
$529
1.1
Haywood County
$10.77
$560
$22,400
1.5
$38,600
$965
$11,580
$290
2,583
35%
$12.61
$656
0.9
Henderson County
$10.69
$556
$22,240
1.5
$50,000
$1,250
$15,000
$375
2,430
22%
$10.00
$520
1.1
$9.73
$506
$20,240
1.3
$46,700
$1,168
$14,010
$350
3,072
23%
$9.35
$486
1.0
Hickman County
$10.21
$531
$21,240
1.4
$47,200
$1,180
$14,160
$354
1,985
22%
$7.59
$395
1.3
Houston County
$9.73
$506
$20,240
1.3
$41,700
$1,043
$12,510
$313
897
26%
$8.47
$441
1.1
Hardin County
Henry County
190
Tennessee
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Humphreys County
$9.73
$506
$20,240
1.3
$52,500
$1,313
$15,750
$394
1,847
24%
$12.03
$626
0.8
Jackson County
$9.73
$506
$20,240
1.3
$40,500
$1,013
$12,150
$304
1,101
24%
$8.43
$438
1.2
Jefferson County
$10.73
$558
$22,320
1.5
$49,400
$1,235
$14,820
$371
4,934
25%
$9.43
$490
1.1
Johnson County
$9.79
$509
$20,360
1.4
$36,800
$920
$11,040
$276
1,741
24%
$11.56
$601
0.8
1.2
Knox County
$12.71
$661
$26,440
1.8
$62,200
$1,555
$18,660
$467
58,248
33%
$10.62
$552
Lake County
$9.73
$506
$20,240
1.3
$35,500
$888
$10,650
$266
882
38%
$5.96
$310
1.6
Lauderdale County
$9.73
$506
$20,240
1.3
$39,400
$985
$11,820
$296
3,137
33%
$10.48
$545
0.9
Lawrence County
$9.73
$506
$20,240
1.3
$46,000
$1,150
$13,800
$345
3,493
22%
$7.19
$374
1.4
Lewis County
$9.73
$506
$20,240
1.3
$45,700
$1,143
$13,710
$343
975
21%
$5.69
$296
1.7
Lincoln County
$9.73
$506
$20,240
1.3
$55,200
$1,380
$16,560
$414
3,200
24%
$7.43
$386
1.3
Loudon County
$12.71
$661
$26,440
1.8
$62,200
$1,555
$18,660
$467
4,292
22%
$9.36
$487
1.4
Macon County
$9.77
$508
$20,320
1.3
$43,500
$1,088
$13,050
$326
2,017
25%
$8.27
$430
1.2
Madison County
$13.25
$689
$27,560
1.8
$54,400
$1,360
$16,320
$408
12,188
33%
$9.45
$491
1.4
Marion County
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
2,599
23%
$9.37
$487
1.3
Marshall County
$11.50
$598
$23,920
1.6
$51,100
$1,278
$15,330
$383
2,966
25%
$8.07
$420
1.4
Maury County
$11.71
$609
$24,360
1.6
$59,400
$1,485
$17,820
$446
8,679
27%
$10.90
$567
1.1
McMinn County
$10.44
$543
$21,720
1.4
$49,000
$1,225
$14,700
$368
5,151
25%
$10.94
$569
1.0
McNairy County
$9.73
$506
$20,240
1.3
$44,600
$1,115
$13,380
$335
2,341
23%
$7.56
$393
1.3
Meigs County
$9.73
$506
$20,240
1.3
$46,800
$1,170
$14,040
$351
1,113
24%
$11.17
$581
0.9
$9.73
$506
$20,240
1.3
$47,400
$1,185
$14,220
$356
4,468
25%
$9.50
$494
1.0
$13.12
$682
$27,280
1.8
$54,200
$1,355
$16,260
$407
21,104
35%
$10.12
$526
1.3
Monroe County
Montgomery County
$9.73
$506
$20,240
1.3
$58,400
$1,460
$17,520
$438
469
20%
$10.49
$545
0.9
$10.02
$521
$20,840
1.4
$43,100
$1,078
$12,930
$323
1,445
18%
$13.44
$699
0.7
Obion County
$9.73
$506
$20,240
1.3
$48,700
$1,218
$14,610
$365
3,840
30%
$11.76
$612
0.8
Overton County
$9.73
$506
$20,240
1.3
$43,300
$1,083
$12,990
$325
1,728
20%
$9.14
$475
1.1
Perry County
$9.73
$506
$20,240
1.3
$40,700
$1,018
$12,210
$305
778
24%
$10.71
$557
0.9
Moore County
Morgan County
$9.73
$506
$20,240
1.3
$33,700
$843
$10,110
$253
519
24%
$9.40
$489
1.0
Polk County
$12.08
$628
$25,120
1.7
$52,000
$1,300
$15,600
$390
1,217
19%
$8.42
$438
1.4
Putnam County
$10.33
$537
$21,480
1.4
$48,000
$1,200
$14,400
$360
9,898
36%
$9.05
$471
1.1
Rhea County
$10.13
$527
$21,080
1.4
$42,800
$1,070
$12,840
$321
3,024
25%
$8.30
$432
1.2
Roane County
$10.38
$540
$21,600
1.4
$54,200
$1,355
$16,260
$407
5,205
23%
$14.70
$764
0.7
Pickett County
191
Tennessee
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Robertson County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
5,354
23%
$8.73
$454
1.7
Rutherford County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
28,604
31%
$12.46
$648
1.2
$9.73
$506
$20,240
1.3
$39,700
$993
$11,910
$298
2,238
26%
$7.38
$384
1.3
Sequatchie County
$12.08
$628
$25,120
1.7
$57,800
$1,445
$17,340
$434
1,128
22%
$8.60
$447
1.4
Sevier County
$11.71
$609
$24,360
1.6
$52,500
$1,313
$15,750
$394
11,770
31%
$8.52
$443
1.4
Shelby County
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
130,411
38%
$14.15
$736
1.0
Smith County
$10.19
$530
$21,200
1.4
$56,800
$1,420
$17,040
$426
1,600
23%
$6.90
$359
1.5
Stewart County
$9.73
$506
$20,240
1.3
$47,800
$1,195
$14,340
$359
1,024
19%
$7.01
$364
1.4
Sullivan County
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
16,139
24%
$11.57
$602
0.9
Sumner County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
15,044
25%
$9.88
$514
1.5
Tipton County
$13.79
$717
$28,680
1.9
$59,100
$1,478
$17,730
$443
5,480
26%
$7.00
$364
2.0
Trousdale County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
574
20%
$8.39
$436
1.7
Unicoi County
$11.06
$575
$23,000
1.5
$51,200
$1,280
$15,360
$384
2,140
28%
$12.51
$651
0.9
Union County
Scott County
$12.71
$661
$26,440
1.8
$62,200
$1,555
$18,660
$467
1,446
20%
$10.25
$533
1.2
Van Buren County
$9.73
$506
$20,240
1.3
$40,500
$1,013
$12,150
$304
332
16%
$4.40
$229
2.2
Warren County
$9.73
$506
$20,240
1.3
$45,800
$1,145
$13,740
$344
4,045
27%
$8.85
$460
1.1
$11.06
$575
$23,000
1.5
$51,200
$1,280
$15,360
$384
15,770
32%
$9.61
$499
1.2
Wayne County
$9.73
$506
$20,240
1.3
$44,900
$1,123
$13,470
$337
874
15%
$6.24
$324
1.6
Weakley County
$9.73
$506
$20,240
1.3
$47,700
$1,193
$14,310
$358
4,667
34%
$7.13
$371
1.4
White County
$10.23
$532
$21,280
1.4
$42,300
$1,058
$12,690
$317
2,301
23%
$10.12
$526
1.0
Williamson County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
10,713
17%
$13.30
$692
1.1
Wilson County
$14.44
$751
$30,040
2.0
$67,100
$1,678
$20,130
$503
7,416
18%
$10.02
$521
1.4
Washington County
192
Texas
In Texas, the Fair Market Rent (FMR) for a two-bedroom apartment is $826. In order to afford this level of rent and
$15.88
In Texas, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Texas, the estimated mean (average) wage for a renter is $14.97. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$826
Two-Bedroom FMR
$1,551
$48
$361
Minimum Wage Earner
$449
SSI Recipient
$617
$778

$465
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
193
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Texas
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$15.88
$826
$33,039
2.2
$62,052
$1,551
$18,616
$465
3,002,018
35%
$14.97
$778
1.1
$12.61
$656
$26,237
1.7
$49,816
$1,245
$14,945
$374
289,231
27%
$11.01
$572
1.1
Abilene MSA
$13.81
$718
$28,720
1.9
$52,900
$1,323
$15,870
$397
21,103
35%
$11.05
$575
1.2
Amarillo MSA
$13.38
$696
$27,840
1.8
$58,900
$1,473
$17,670
$442
31,058
34%
$13.17
$685
1.0
Aransas County HMFA
$13.06
$679
$27,160
1.8
$54,700
$1,368
$16,410
$410
2,583
26%
$6.81
$354
1.9
Atascosa County HMFA
$11.96
$622
$24,880
1.6
$51,800
$1,295
$15,540
$389
3,508
24%
$11.32
$589
1.1
Austin County HMFA
$12.90
$671
$26,840
1.8
$65,100
$1,628
$19,530
$488
2,354
23%
$13.01
$677
1.0
Austin-Round Rock MSA *
$19.02
$989
$39,560
2.6
$75,900
$1,898
$22,770
$569
252,571
41%
$15.88
$826
1.2
Beaumont-Port Arthur MSA
$13.29
$691
$27,640
1.8
$57,500
$1,438
$17,250
$431
42,972
30%
$14.45
$751
0.9
Brazoria County HMFA
$15.12
$786
$31,440
2.1
$77,700
$1,943
$23,310
$583
24,594
24%
$13.34
$694
1.1
Brownsville-Harlingen MSA
$11.79
$613
$24,520
1.6
$34,100
$853
$10,230
$256
34,941
31%
$7.53
$391
1.6
Calhoun County HMFA
$12.79
$665
$26,600
1.8
$57,100
$1,428
$17,130
$428
2,424
30%
$18.06
$939
0.7
College Station-Bryan MSA
$14.29
$743
$29,720
2.0
$58,200
$1,455
$17,460
$437
38,341
48%
$8.77
$456
1.6
Corpus Christi HMFA
$15.83
$823
$32,920
2.2
$54,200
$1,355
$16,260
$407
54,131
38%
$11.99
$623
1.3
Dallas HMFA
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
564,009
39%
$17.73
$922
0.9
El Paso MSA
$12.81
$666
$26,640
1.8
$41,700
$1,043
$12,510
$313
87,663
36%
$9.19
$478
1.4
Fort Worth-Arlington HMFA *
$16.60
$863
$34,520
2.3
$69,200
$1,730
$20,760
$519
251,611
35%
$14.20
$738
1.2
Houston-Baytown-Sugar Land HMFA *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
692,622
37%
$18.30
$952
1.0
Kendall County HMFA
$15.31
$796
$31,840
2.1
$86,800
$2,170
$26,040
$651
2,970
25%
$9.71
$505
1.6
Killeen-Temple-Fort Hood HMFA
$13.08
$680
$27,200
1.8
$56,700
$1,418
$17,010
$425
50,763
42%
$12.65
$658
1.0
Lampasas County HMFA
$11.23
$584
$23,360
1.5
$54,900
$1,373
$16,470
$412
1,676
24%
$8.44
$439
1.3
Laredo MSA
$13.38
$696
$27,840
1.8
$39,600
$990
$11,880
$297
22,937
35%
$8.10
$421
1.7
Longview HMFA
$12.73
$662
$26,480
1.8
$56,400
$1,410
$16,920
$423
19,820
33%
$14.11
$734
0.9
Lubbock MSA
$14.13
$735
$29,400
1.9
$55,600
$1,390
$16,680
$417
41,772
40%
$9.83
$511
1.4
McAllen-Edinburg-Mission MSA
$12.06
$627
$25,080
1.7
$34,200
$855
$10,260
$257
60,075
29%
$7.69
$400
1.6
Medina County HMFA
$11.67
$607
$24,280
1.6
$58,900
$1,473
$17,670
$442
3,502
23%
$7.81
$406
1.5
Midland MSA
$15.13
$787
$31,480
2.1
$66,900
$1,673
$20,070
$502
14,887
30%
$15.80
$822
1.0
Odessa MSA
$13.83
$719
$28,760
1.9
$56,500
$1,413
$16,950
$424
15,499
33%
$14.88
$774
0.9
Rusk County HMFA
$11.23
$584
$23,360
1.5
$55,500
$1,388
$16,650
$416
3,876
21%
$13.86
$721
0.8
Metropolitan Areas
194
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
San Angelo MSA
$14.23
$740
$29,600
2.0
$55,700
$1,393
$16,710
$418
13,434
32%
$10.66
$554
1.3
San Antonio HMFA
$14.62
$760
$30,400
2.0
$60,800
$1,520
$18,240
$456
240,120
35%
$12.34
$642
1.2
Sherman-Denison MSA
$13.62
$708
$28,320
1.9
$59,800
$1,495
$17,940
$449
13,469
30%
$12.40
$645
1.1
Texarkana MSA
$11.96
$622
$24,880
1.6
$51,900
$1,298
$15,570
$389
11,206
33%
$9.88
$514
1.2
Tyler MSA
$14.81
$770
$30,800
2.0
$58,700
$1,468
$17,610
$440
23,395
31%
$11.68
$607
1.3
Victoria HMFA
$13.98
$727
$29,080
1.9
$56,700
$1,418
$17,010
$425
11,303
32%
$11.24
$585
1.2
Waco MSA
$14.50
$754
$30,160
2.0
$54,700
$1,368
$16,410
$410
33,142
40%
$11.07
$576
1.3
Wichita Falls MSA
$13.63
$709
$28,360
1.9
$55,800
$1,395
$16,740
$419
18,711
33%
$10.49
$545
1.3
Wise County HMFA
$13.71
$713
$28,520
1.9
$67,200
$1,680
$20,160
$504
3,745
19%
$16.23
$844
0.8
Anderson County
$12.85
$668
$26,720
1.8
$52,800
$1,320
$15,840
$396
4,189
26%
$14.15
$736
0.9
Andrews County
$11.65
$606
$24,240
1.6
$56,900
$1,423
$17,070
$427
1,046
20%
$16.54
$860
0.7
Angelina County
$14.08
$732
$29,280
1.9
$50,000
$1,250
$15,000
$375
9,579
31%
$11.91
$620
1.2
Aransas County
$13.06
$679
$27,160
1.8
$54,700
$1,368
$16,410
$410
2,583
26%
$6.81
$354
1.9
Archer County
$13.63
$709
$28,360
1.9
$55,800
$1,395
$16,740
$419
636
19%
$7.58
$394
1.8
Armstrong County
$13.38
$696
$27,840
1.8
$58,900
$1,473
$17,670
$442
127
18%
$14.48
$753
0.9
Atascosa County
$11.96
$622
$24,880
1.6
$51,800
$1,295
$15,540
$389
3,508
24%
$11.32
$589
1.1
Austin County
$12.90
$671
$26,840
1.8
$65,100
$1,628
$19,530
$488
2,354
23%
$13.01
$677
1.0
Bailey County
$16.90
$879
$35,160
2.3
$57,700
$1,443
$17,310
$433
604
25%
$10.60
$551
1.6
Bandera County
$14.62
$760
$30,400
2.0
$60,800
$1,520
$18,240
$456
1,813
22%
$7.68
$399
1.9
Bastrop County *
$19.02
$989
$39,560
2.6
$75,900
$1,898
$22,770
$569
5,283
21%
$7.95
$413
2.4
Baylor County
$11.58
$602
$24,080
1.6
$51,600
$1,290
$15,480
$387
473
29%
$8.87
$461
1.3
Bee County
$11.73
$610
$24,400
1.6
$45,100
$1,128
$13,530
$338
2,796
33%
$11.28
$587
1.0
Bell County
$13.08
$680
$27,200
1.8
$56,700
$1,418
$17,010
$425
42,361
42%
$12.71
$661
1.0
Bexar County
$14.62
$760
$30,400
2.0
$60,800
$1,520
$18,240
$456
217,538
37%
$12.67
$659
1.2
Blanco County
$13.69
$712
$28,480
1.9
$75,300
$1,883
$22,590
$565
685
17%
$11.44
$595
1.2
Borden County
$12.19
$634
$25,360
1.7
$55,200
$1,380
$16,560
$414
91
37%
Bosque County
$11.77
$612
$24,480
1.6
$53,600
$1,340
$16,080
$402
1,653
25%
$9.14
$475
1.3
Bowie County
$11.96
$622
$24,880
1.6
$51,900
$1,298
$15,570
$389
11,206
33%
$9.88
$514
1.2
Brazoria County
$15.12
$786
$31,440
2.1
$77,700
$1,943
$23,310
$583
24,594
24%
$13.34
$694
1.1
Brazos County
$14.29
$743
$29,720
2.0
$58,200
$1,455
$17,460
$437
34,937
53%
$8.57
$445
1.7
Counties
195
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Brewster County
$15.71
$817
$32,680
2.2
$54,300
$1,358
$16,290
$407
1,634
39%
$9.53
$496
Briscoe County
$11.23
$584
$23,360
1.5
$48,100
$1,203
$14,430
$361
130
19%
$8.12
$422
1.4
Brooks County
$11.23
$584
$23,360
1.5
$27,700
$693
$8,310
$208
851
33%
$10.39
$540
1.1
Brown County
$13.00
$676
$27,040
1.8
$52,300
$1,308
$15,690
$392
3,733
28%
$9.06
$471
1.4
Burleson County
$14.29
$743
$29,720
2.0
$58,200
$1,455
$17,460
$437
1,339
20%
$10.79
$561
1.3
Burnet County
$13.19
$686
$27,440
1.8
$59,000
$1,475
$17,700
$443
4,080
25%
$9.87
$513
1.3
Caldwell County *
$19.02
$989
$39,560
2.6
$75,900
$1,898
$22,770
$569
3,518
31%
$10.58
$550
1.8
Calhoun County
$12.79
$665
$26,600
1.8
$57,100
$1,428
$17,130
$428
2,424
30%
$18.06
$939
0.7
Callahan County
$13.81
$718
$28,720
1.9
$52,900
$1,323
$15,870
$397
882
17%
$10.94
$569
1.3
Cameron County
$11.79
$613
$24,520
1.6
$34,100
$853
$10,230
$256
34,941
31%
$7.53
$391
1.6
Camp County
$11.23
$584
$23,360
1.5
$43,200
$1,080
$12,960
$324
1,521
33%
$11.89
$618
0.9
Carson County
$13.38
$696
$27,840
1.8
$58,900
$1,473
$17,670
$442
356
15%
$36.16
$1,880
0.4
Cass County
$11.23
$584
$23,360
1.5
$48,300
$1,208
$14,490
$362
3,373
28%
$9.44
$491
1.2
Castro County
$11.23
$584
$23,360
1.5
$41,700
$1,043
$12,510
$313
617
23%
$10.96
$570
1.0
Chambers County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
1,526
14%
$13.77
$716
1.3
Cherokee County
$11.29
$587
$23,480
1.6
$47,900
$1,198
$14,370
$359
4,354
26%
$8.98
$467
1.3
Childress County
$12.08
$628
$25,120
1.7
$45,300
$1,133
$13,590
$340
586
27%
$6.09
$317
2.0
Clay County
$13.63
$709
$28,360
1.9
$55,800
$1,395
$16,740
$419
621
14%
$8.26
$430
1.6
Cochran County
$11.23
$584
$23,360
1.5
$42,400
$1,060
$12,720
$318
250
23%
$14.61
$760
0.8
Coke County
$11.23
$584
$23,360
1.5
$48,200
$1,205
$14,460
$362
338
26%
$10.08
$524
1.1
Coleman County
$11.23
$584
$23,360
1.5
$37,100
$928
$11,130
$278
1,020
29%
$7.57
$393
1.5
Collin County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
78,318
29%
$15.26
$793
1.1
Collingsworth County
$11.23
$584
$23,360
1.5
$50,500
$1,263
$15,150
$379
292
25%
$6.99
$363
1.6
Colorado County
$12.87
$669
$26,760
1.8
$52,600
$1,315
$15,780
$395
1,881
23%
$12.74
$662
1.0
Comal County
$14.62
$760
$30,400
2.0
$60,800
$1,520
$18,240
$456
9,382
24%
$9.69
$504
1.5
Comanche County
$11.23
$584
$23,360
1.5
$44,300
$1,108
$13,290
$332
1,132
22%
$8.40
$437
1.3
Concho County
$18.85
$980
$39,200
2.6
$58,200
$1,455
$17,460
$437
215
22%
$7.44
$387
2.5
Cooke County
$14.65
$762
$30,480
2.0
$62,200
$1,555
$18,660
$467
4,319
30%
$12.78
$664
1.1
Coryell County
$13.08
$680
$27,200
1.8
$56,700
$1,418
$17,010
$425
8,402
40%
$12.16
$632
1.1
Cottle County
$12.19
$634
$25,360
1.7
$40,800
$1,020
$12,240
$306
124
20%
$11.08
$576
1.1
Crane County
$13.21
$687
$27,480
1.8
$52,600
$1,315
$15,780
$395
345
24%
$18.17
$945
0.7
1.6
196
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Crockett County
$11.38
$592
$23,680
1.6
$51,500
$1,288
$15,450
$386
488
39%
$14.91
$775
0.8
Crosby County
$14.13
$735
$29,400
1.9
$55,600
$1,390
$16,680
$417
602
28%
$12.13
$631
1.2
Culberson County
$11.23
$584
$23,360
1.5
$44,100
$1,103
$13,230
$331
171
24%
$9.17
$477
1.2
Dallam County
$12.54
$652
$26,080
1.7
$51,600
$1,290
$15,480
$387
728
34%
$14.67
$763
0.9
Dallas County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
377,402
45%
$19.53
$1,015
0.9
Dawson County
$11.23
$584
$23,360
1.5
$42,700
$1,068
$12,810
$320
1,073
24%
$11.17
$581
1.0
Deaf Smith County
$12.44
$647
$25,880
1.7
$47,100
$1,178
$14,130
$353
2,121
35%
$13.13
$683
0.9
Delta County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
401
20%
$5.41
$281
3.1
Denton County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
76,074
34%
$10.79
$561
1.5
DeWitt County
$11.23
$584
$23,360
1.5
$52,000
$1,300
$15,600
$390
1,727
23%
$9.73
$506
1.2
Dickens County
$11.23
$584
$23,360
1.5
$35,600
$890
$10,680
$267
165
20%
$12.48
$649
0.9
Dimmit County
$11.23
$584
$23,360
1.5
$29,200
$730
$8,760
$219
1,099
31%
$10.54
$548
1.1
Donley County
$12.42
$646
$25,840
1.7
$50,600
$1,265
$15,180
$380
342
27%
$5.54
$288
2.2
Duval County
$11.23
$584
$23,360
1.5
$38,500
$963
$11,550
$289
1,105
27%
$12.31
$640
0.9
Eastland County
$11.23
$584
$23,360
1.5
$44,400
$1,110
$13,320
$333
1,789
25%
$10.21
$531
1.1
Ector County
$13.83
$719
$28,760
1.9
$56,500
$1,413
$16,950
$424
15,499
33%
$14.88
$774
0.9
Edwards County
$11.23
$584
$23,360
1.5
$43,200
$1,080
$12,960
$324
161
19%
$9.37
$487
1.2
El Paso County
$12.81
$666
$26,640
1.8
$41,700
$1,043
$12,510
$313
87,663
36%
$9.19
$478
1.4
Ellis County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
11,517
24%
$10.38
$540
1.6
Erath County
$12.75
$663
$26,520
1.8
$52,900
$1,323
$15,870
$397
5,280
38%
$8.82
$459
1.4
Falls County
$11.23
$584
$23,360
1.5
$44,100
$1,103
$13,230
$331
1,543
27%
$10.84
$564
1.0
Fannin County
$12.65
$658
$26,320
1.7
$54,200
$1,355
$16,260
$407
2,951
25%
$8.44
$439
1.5
Fayette County
$12.00
$624
$24,960
1.7
$58,300
$1,458
$17,490
$437
2,762
26%
$10.43
$543
1.2
Fisher County
$11.23
$584
$23,360
1.5
$50,200
$1,255
$15,060
$377
435
26%
$8.50
$442
1.3
Floyd County
$11.23
$584
$23,360
1.5
$36,900
$923
$11,070
$277
739
28%
$9.12
$474
1.2
Foard County
$11.23
$584
$23,360
1.5
$32,600
$815
$9,780
$245
217
39%
$6.15
$320
1.8
Fort Bend County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
32,211
19%
$13.14
$683
1.4
Franklin County
$11.94
$621
$24,840
1.6
$54,900
$1,373
$16,470
$412
717
19%
$9.50
$494
1.3
Freestone County
$13.54
$704
$28,160
1.9
$59,800
$1,495
$17,940
$449
1,507
21%
$9.39
$488
1.4
Frio County
$11.23
$584
$23,360
1.5
$42,800
$1,070
$12,840
$321
1,589
33%
$12.47
$648
0.9
Gaines County
$11.23
$584
$23,360
1.5
$56,600
$1,415
$16,980
$425
1,446
27%
$11.32
$589
1.0
197
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Galveston County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
32,531
31%
$11.35
$590
1.6
Garza County
$11.23
$584
$23,360
1.5
$49,400
$1,235
$14,820
$371
450
27%
$10.39
$541
1.1
Gillespie County
$15.90
$827
$33,080
2.2
$63,700
$1,593
$19,110
$478
2,553
25%
$9.13
$475
1.7
Glasscock County
$12.19
$634
$25,360
1.7
$63,300
$1,583
$18,990
$475
114
27%
$7.92
$412
1.5
Goliad County
$13.98
$727
$29,080
1.9
$56,700
$1,418
$17,010
$425
501
17%
$5.26
$273
2.7
Gonzales County
$11.23
$584
$23,360
1.5
$47,600
$1,190
$14,280
$357
2,221
32%
$10.76
$559
1.0
Gray County
$11.23
$584
$23,360
1.5
$50,200
$1,255
$15,060
$377
1,902
23%
$15.39
$800
0.7
Grayson County
$13.62
$708
$28,320
1.9
$59,800
$1,495
$17,940
$449
13,469
30%
$12.40
$645
1.1
Gregg County
$12.73
$662
$26,480
1.8
$56,400
$1,410
$16,920
$423
16,568
37%
$14.44
$751
0.9
Grimes County
$12.40
$645
$25,800
1.7
$54,500
$1,363
$16,350
$409
2,096
25%
$14.34
$746
0.9
Guadalupe County
$14.62
$760
$30,400
2.0
$60,800
$1,520
$18,240
$456
9,144
21%
$9.27
$482
1.6
Hale County
$11.52
$599
$23,960
1.6
$43,800
$1,095
$13,140
$329
3,974
35%
$10.65
$554
1.1
Hall County
$11.23
$584
$23,360
1.5
$36,200
$905
$10,860
$272
475
33%
$8.34
$434
1.3
Hamilton County
$11.23
$584
$23,360
1.5
$51,800
$1,295
$15,540
$389
586
19%
$9.99
$520
1.1
Hansford County
$11.71
$609
$24,360
1.6
$55,500
$1,388
$16,650
$416
471
24%
$16.88
$878
0.7
Hardeman County
$11.25
$585
$23,400
1.6
$46,600
$1,165
$13,980
$350
354
21%
$5.66
$294
2.0
Hardin County
$13.29
$691
$27,640
1.8
$57,500
$1,438
$17,250
$431
4,304
22%
$12.20
$635
1.1
Harris County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
578,763
42%
$19.28
$1,002
0.9
Harrison County
$12.15
$632
$25,280
1.7
$53,100
$1,328
$15,930
$398
5,811
25%
$12.93
$673
0.9
Hartley County
$11.96
$622
$24,880
1.6
$71,800
$1,795
$21,540
$539
458
27%
$8.13
$423
1.5
Haskell County
$11.23
$584
$23,360
1.5
$41,700
$1,043
$12,510
$313
611
24%
$9.37
$487
1.2
Hays County *
$19.02
$989
$39,560
2.6
$75,900
$1,898
$22,770
$569
16,238
32%
$6.80
$353
2.8
Hemphill County
$11.23
$584
$23,360
1.5
$78,200
$1,955
$23,460
$587
348
23%
$13.46
$700
0.8
Henderson County
$13.40
$697
$27,880
1.8
$51,100
$1,278
$15,330
$383
6,862
22%
$9.65
$502
1.4
Hidalgo County
$12.06
$627
$25,080
1.7
$34,200
$855
$10,260
$257
60,075
29%
$7.69
$400
1.6
Hill County
$12.85
$668
$26,720
1.8
$52,500
$1,313
$15,750
$394
3,049
23%
$9.32
$485
1.4
Hockley County
$12.92
$672
$26,880
1.8
$53,000
$1,325
$15,900
$398
2,074
26%
$12.29
$639
1.1
Hood County
$15.35
$798
$31,920
2.1
$66,500
$1,663
$19,950
$499
4,360
22%
$11.19
$582
1.4
Hopkins County
$13.10
$681
$27,240
1.8
$54,100
$1,353
$16,230
$406
3,765
29%
$11.47
$596
1.1
Houston County
$12.08
$628
$25,120
1.7
$43,000
$1,075
$12,900
$323
2,021
26%
$12.71
$661
1.0
Howard County
$12.19
$634
$25,360
1.7
$50,300
$1,258
$15,090
$377
3,450
31%
$11.12
$578
1.1
198
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Hudspeth County
$11.23
$584
$23,360
1.5
$31,900
$798
$9,570
$239
220
21%
$11.38
$592
1.0
Hunt County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
8,979
30%
$11.45
$596
1.5
Hutchinson County
$11.23
$584
$23,360
1.5
$52,200
$1,305
$15,660
$392
1,629
19%
$16.56
$861
0.7
Irion County
$14.23
$740
$29,600
2.0
$55,700
$1,393
$16,710
$418
104
17%
$18.83
$979
0.8
Jack County
$12.77
$664
$26,560
1.8
$62,100
$1,553
$18,630
$466
668
22%
$15.50
$806
0.8
Jackson County
$12.75
$663
$26,520
1.8
$63,100
$1,578
$18,930
$473
1,302
26%
$11.65
$606
1.1
Jasper County
$11.67
$607
$24,280
1.6
$46,000
$1,150
$13,800
$345
2,781
21%
$9.70
$504
1.2
Jeff Davis County
$12.19
$634
$25,360
1.7
$48,700
$1,218
$14,610
$365
212
21%
$8.72
$454
1.4
Jefferson County
$13.29
$691
$27,640
1.8
$57,500
$1,438
$17,250
$431
31,514
35%
$14.89
$774
0.9
Jim Hogg County
$11.23
$584
$23,360
1.5
$37,500
$938
$11,250
$281
486
28%
$5.40
$281
2.1
Jim Wells County
$12.87
$669
$26,760
1.8
$42,200
$1,055
$12,660
$317
3,587
27%
$11.09
$577
1.2
Johnson County *
$16.60
$863
$34,520
2.3
$69,200
$1,730
$20,760
$519
11,817
23%
$11.26
$586
1.5
Jones County
$13.81
$718
$28,720
1.9
$52,900
$1,323
$15,870
$397
1,275
21%
$12.66
$658
1.1
Karnes County
$11.23
$584
$23,360
1.5
$51,600
$1,290
$15,480
$387
1,454
31%
$9.07
$471
1.2
Kaufman County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
7,434
22%
$9.76
$507
1.7
Kendall County
$15.31
$796
$31,840
2.1
$86,800
$2,170
$26,040
$651
2,970
25%
$9.71
$505
1.6
Kenedy County
$14.62
$760
$30,400
2.0
$49,300
$1,233
$14,790
$370
57
62%
$24.61
$1,280
0.6
Kent County
$14.81
$770
$30,800
2.0
$46,600
$1,165
$13,980
$350
70
19%
$8.79
$457
1.7
Kerr County
$15.08
$784
$31,360
2.1
$54,000
$1,350
$16,200
$405
5,351
26%
$12.28
$638
1.2
Kimble County
$12.38
$644
$25,760
1.7
$57,900
$1,448
$17,370
$434
536
28%
$10.25
$533
1.2
King County
$12.19
$634
$25,360
1.7
$53,100
$1,328
$15,930
$398
58
61%
Kinney County
$11.23
$584
$23,360
1.5
$35,900
$898
$10,770
$269
234
20%
$9.28
$482
1.2
Kleberg County
$13.65
$710
$28,400
1.9
$48,000
$1,200
$14,400
$360
4,400
40%
$9.67
$503
1.4
Knox County
$11.23
$584
$23,360
1.5
$48,600
$1,215
$14,580
$365
524
32%
$12.01
$625
0.9
La Salle County
$11.23
$584
$23,360
1.5
$38,500
$963
$11,550
$289
727
39%
$17.61
$916
0.6
Lamar County
$11.96
$622
$24,880
1.6
$49,500
$1,238
$14,850
$371
5,945
31%
$11.37
$591
1.1
Lamb County
$11.23
$584
$23,360
1.5
$43,400
$1,085
$13,020
$326
1,196
25%
$11.42
$594
1.0
Lampasas County
$11.23
$584
$23,360
1.5
$54,900
$1,373
$16,470
$412
1,676
24%
$8.44
$439
1.3
Lavaca County
$11.23
$584
$23,360
1.5
$56,100
$1,403
$16,830
$421
1,728
22%
$10.45
$543
1.1
Lee County
$11.58
$602
$24,080
1.6
$66,100
$1,653
$19,830
$496
1,395
23%
$13.00
$676
0.9
Leon County
$11.71
$609
$24,360
1.6
$52,500
$1,313
$15,750
$394
1,069
16%
$11.98
$623
1.0
199
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Liberty County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
5,063
21%
$11.19
$582
Limestone County
$12.44
$647
$25,880
1.7
$50,500
$1,263
$15,150
$379
1,662
21%
$9.96
$518
1.2
Lipscomb County
$12.12
$630
$25,200
1.7
$57,600
$1,440
$17,280
$432
253
22%
$16.25
$845
0.7
Live Oak County
$12.94
$673
$26,920
1.8
$49,500
$1,238
$14,850
$371
757
20%
$14.74
$767
0.9
Llano County
$13.60
$707
$28,280
1.9
$54,900
$1,373
$16,470
$412
1,867
22%
$9.45
$491
1.4
Loving County
$12.19
$634
$25,360
1.7
$86,900
$2,173
$26,070
$652
12
55%
Lubbock County
$14.13
$735
$29,400
1.9
$55,600
$1,390
$16,680
$417
41,170
40%
$9.81
$510
1.4
Lynn County
$11.23
$584
$23,360
1.5
$51,500
$1,288
$15,450
$386
566
26%
$10.81
$562
1.0
Madison County
$11.23
$584
$23,360
1.5
$46,800
$1,170
$14,040
$351
739
21%
$8.95
$465
1.3
Marion County
$12.56
$653
$26,120
1.7
$42,300
$1,058
$12,690
$317
959
20%
$7.09
$369
1.8
Martin County
$13.96
$726
$29,040
1.9
$50,800
$1,270
$15,240
$381
367
25%
$12.43
$646
1.1
Mason County
$11.23
$584
$23,360
1.5
$53,600
$1,340
$16,080
$402
313
20%
$6.53
$340
1.7
Matagorda County
$12.69
$660
$26,400
1.8
$49,400
$1,235
$14,820
$371
3,909
28%
$11.79
$613
1.1
Maverick County
$11.23
$584
$23,360
1.5
$35,500
$888
$10,650
$266
4,402
30%
$6.89
$358
1.6
McCulloch County
$11.42
$594
$23,760
1.6
$49,500
$1,238
$14,850
$371
880
28%
$10.32
$537
1.1
McLennan County
$14.50
$754
$30,160
2.0
$54,700
$1,368
$16,410
$410
33,142
40%
$11.07
$576
1.3
McMullen County
$12.19
$634
$25,360
1.7
$50,300
$1,258
$15,090
$377
52
17%
$8.26
$430
1.5
Medina County
$11.67
$607
$24,280
1.6
$58,900
$1,473
$17,670
$442
3,502
23%
$7.81
$406
1.5
Menard County
$11.23
$584
$23,360
1.5
$53,200
$1,330
$15,960
$399
233
25%
$5.60
$291
2.0
Midland County
$15.13
$787
$31,480
2.1
$66,900
$1,673
$20,070
$502
14,887
30%
$15.80
$822
1.0
Milam County
$11.23
$584
$23,360
1.5
$49,300
$1,233
$14,790
$370
2,583
27%
$14.41
$750
0.8
Mills County
$11.23
$584
$23,360
1.5
$47,000
$1,175
$14,100
$353
425
22%
$9.00
$468
1.2
Mitchell County
$11.23
$584
$23,360
1.5
$53,600
$1,340
$16,080
$402
602
22%
$11.52
$599
1.0
Montague County
$12.79
$665
$26,600
1.8
$59,100
$1,478
$17,730
$443
1,751
22%
$9.35
$486
1.4
Montgomery County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
36,678
24%
$13.71
$713
1.3
Moore County
$12.27
$638
$25,520
1.7
$48,800
$1,220
$14,640
$366
2,241
33%
$13.46
$700
0.9
Morris County
$11.23
$584
$23,360
1.5
$51,600
$1,290
$15,480
$387
1,082
21%
$10.11
$526
1.1
Motley County
$11.23
$584
$23,360
1.5
$48,900
$1,223
$14,670
$367
109
25%
$11.66
$606
1.0
Nacogdoches County
$14.50
$754
$30,160
2.0
$48,200
$1,205
$14,460
$362
9,250
40%
$8.48
$441
1.7
Navarro County
$14.02
$729
$29,160
1.9
$51,500
$1,288
$15,450
$386
4,932
28%
$9.74
$506
1.4
Newton County
$11.54
$600
$24,000
1.6
$46,700
$1,168
$14,010
$350
867
17%
$7.27
$378
1.6
1.6
200
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Nolan County
$11.23
$584
$23,360
1.5
$50,000
$1,250
$15,000
$375
1,860
32%
$9.14
$476
1.2
Nueces County
$15.83
$823
$32,920
2.2
$54,200
$1,355
$16,260
$407
46,500
38%
$11.92
$620
1.3
Ochiltree County
$11.37
$591
$23,640
1.6
$59,700
$1,493
$17,910
$448
1,076
30%
$11.66
$606
1.0
Oldham County
$13.08
$680
$27,200
1.8
$57,600
$1,440
$17,280
$432
206
29%
$13.82
$719
0.9
Orange County
$13.29
$691
$27,640
1.8
$57,500
$1,438
$17,250
$431
7,154
23%
$13.12
$682
1.0
Palo Pinto County
$13.25
$689
$27,560
1.8
$51,700
$1,293
$15,510
$388
3,333
32%
$13.75
$715
1.0
Panola County
$11.23
$584
$23,360
1.5
$50,400
$1,260
$15,120
$378
1,641
19%
$11.84
$616
0.9
Parker County *
$16.60
$863
$34,520
2.3
$69,200
$1,730
$20,760
$519
7,987
20%
$8.86
$461
1.9
Parmer County
$11.23
$584
$23,360
1.5
$43,600
$1,090
$13,080
$327
902
27%
$11.44
$595
1.0
Pecos County
$11.23
$584
$23,360
1.5
$45,400
$1,135
$13,620
$341
1,472
30%
$13.41
$697
0.8
Polk County
$12.42
$646
$25,840
1.7
$39,900
$998
$11,970
$299
3,549
21%
$10.15
$528
1.2
Potter County
$13.38
$696
$27,840
1.8
$58,900
$1,473
$17,670
$442
16,813
41%
$13.37
$695
1.0
Presidio County
$11.23
$584
$23,360
1.5
$41,700
$1,043
$12,510
$313
851
33%
$7.37
$383
1.5
Rains County
$12.42
$646
$25,840
1.7
$51,600
$1,290
$15,480
$387
678
17%
$7.94
$413
1.6
Randall County
$13.38
$696
$27,840
1.8
$58,900
$1,473
$17,670
$442
13,762
30%
$8.52
$443
1.6
Reagan County
$12.42
$646
$25,840
1.7
$55,300
$1,383
$16,590
$415
332
29%
$22.83
$1,187
0.5
Real County
$11.23
$584
$23,360
1.5
$40,000
$1,000
$12,000
$300
327
24%
$9.90
$515
1.1
Red River County
$11.23
$584
$23,360
1.5
$47,700
$1,193
$14,310
$358
1,473
29%
$7.44
$387
1.5
Reeves County
$11.23
$584
$23,360
1.5
$43,800
$1,095
$13,140
$329
932
26%
$12.34
$642
0.9
Refugio County
$12.75
$663
$26,520
1.8
$49,100
$1,228
$14,730
$368
616
22%
$10.09
$525
1.3
Roberts County
$12.19
$634
$25,360
1.7
$73,100
$1,828
$21,930
$548
79
24%
$13.13
$683
0.9
Robertson County
$14.29
$743
$29,720
2.0
$58,200
$1,455
$17,460
$437
2,065
33%
$10.83
$563
1.3
Rockwall County
$16.69
$868
$34,720
2.3
$70,100
$1,753
$21,030
$526
3,884
16%
$9.92
$516
1.7
Runnels County
$11.23
$584
$23,360
1.5
$48,300
$1,208
$14,490
$362
1,106
28%
$10.43
$543
1.1
Rusk County
$11.23
$584
$23,360
1.5
$55,500
$1,388
$16,650
$416
3,876
21%
$13.86
$721
0.8
Sabine County
$11.23
$584
$23,360
1.5
$38,200
$955
$11,460
$287
755
17%
$18.84
$980
0.6
San Augustine County
$11.23
$584
$23,360
1.5
$37,800
$945
$11,340
$284
772
21%
$8.66
$450
1.3
San Jacinto County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
1,607
17%
$7.27
$378
2.5
San Patricio County
$15.83
$823
$32,920
2.2
$54,200
$1,355
$16,260
$407
7,631
34%
$12.66
$658
1.3
San Saba County
$12.08
$628
$25,120
1.7
$45,500
$1,138
$13,650
$341
473
22%
$6.30
$328
1.9
Schleicher County
$11.67
$607
$24,280
1.6
$60,100
$1,503
$18,030
$451
191
19%
$12.13
$631
1.0
201
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Scurry County
$11.23
$584
$23,360
1.5
$56,700
$1,418
$17,010
$425
1,790
29%
$11.07
$575
1.0
Shackelford County
$11.23
$584
$23,360
1.5
$54,700
$1,368
$16,410
$410
265
22%
$11.77
$612
1.0
Shelby County
$11.23
$584
$23,360
1.5
$41,900
$1,048
$12,570
$314
2,310
24%
$9.36
$487
1.2
Sherman County
$12.25
$637
$25,480
1.7
$57,600
$1,440
$17,280
$432
207
21%
$11.52
$599
1.1
Smith County
$14.81
$770
$30,800
2.0
$58,700
$1,468
$17,610
$440
23,395
31%
$11.68
$607
1.3
Somervell County
$11.23
$584
$23,360
1.5
$65,200
$1,630
$19,560
$489
672
23%
$20.04
$1,042
0.6
Starr County
$11.23
$584
$23,360
1.5
$27,200
$680
$8,160
$204
3,212
21%
$5.84
$303
1.9
Stephens County
$12.96
$674
$26,960
1.8
$46,900
$1,173
$14,070
$352
935
26%
$11.11
$577
1.2
Sterling County
$12.19
$634
$25,360
1.7
$56,700
$1,418
$17,010
$425
98
22%
$18.22
$947
0.7
Stonewall County
$11.23
$584
$23,360
1.5
$62,800
$1,570
$18,840
$471
115
19%
$13.07
$680
0.9
Sutton County
$11.23
$584
$23,360
1.5
$64,200
$1,605
$19,260
$482
393
29%
$33.25
$1,729
0.3
Swisher County
$11.23
$584
$23,360
1.5
$49,200
$1,230
$14,760
$369
825
31%
$7.32
$381
1.5
Tarrant County *
$16.60
$863
$34,520
2.3
$69,200
$1,730
$20,760
$519
231,807
37%
$14.52
$755
1.1
Taylor County
$13.81
$718
$28,720
1.9
$52,900
$1,323
$15,870
$397
18,946
38%
$10.97
$570
1.3
Terrell County
$11.23
$584
$23,360
1.5
$43,200
$1,080
$12,960
$324
112
30%
$9.54
$496
1.2
Terry County
$11.23
$584
$23,360
1.5
$45,700
$1,143
$13,710
$343
1,108
27%
$10.78
$561
1.0
Throckmorton County
$12.71
$661
$26,440
1.8
$45,000
$1,125
$13,500
$338
151
19%
$10.09
$525
1.3
Titus County
$11.73
$610
$24,400
1.6
$47,400
$1,185
$14,220
$356
3,185
30%
$11.35
$590
1.0
Tom Green County
$14.23
$740
$29,600
2.0
$55,700
$1,393
$16,710
$418
13,330
32%
$10.57
$549
1.3
Travis County *
$19.02
$989
$39,560
2.6
$75,900
$1,898
$22,770
$569
185,359
47%
$17.24
$897
1.1
Trinity County
$11.23
$584
$23,360
1.5
$46,400
$1,160
$13,920
$348
968
19%
$9.56
$497
1.2
Tyler County
$12.87
$669
$26,760
1.8
$42,700
$1,068
$12,810
$320
1,483
18%
$10.14
$527
1.3
Upshur County
$12.73
$662
$26,480
1.8
$56,400
$1,410
$16,920
$423
3,252
22%
$9.56
$497
1.3
Upton County
$11.23
$584
$23,360
1.5
$52,000
$1,300
$15,600
$390
250
21%
$24.61
$1,280
0.5
Uvalde County
$14.75
$767
$30,680
2.0
$38,700
$968
$11,610
$290
2,334
26%
$10.17
$529
1.5
Val Verde County
$11.35
$590
$23,600
1.6
$40,800
$1,020
$12,240
$306
5,152
34%
$8.46
$440
1.3
Van Zandt County
$13.21
$687
$27,480
1.8
$53,400
$1,335
$16,020
$401
4,291
22%
$9.66
$502
1.4
Victoria County
$13.98
$727
$29,080
1.9
$56,700
$1,418
$17,010
$425
10,802
34%
$11.44
$595
1.2
Walker County
$15.04
$782
$31,280
2.1
$48,800
$1,220
$14,640
$366
8,368
42%
$7.72
$402
1.9
Waller County *
$18.02
$937
$37,480
2.5
$66,900
$1,673
$20,070
$502
4,243
31%
$12.04
$626
1.5
Ward County
$11.23
$584
$23,360
1.5
$49,900
$1,248
$14,970
$374
986
26%
$18.00
$936
0.6
202
Texas
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Washington County
$14.79
$769
$30,760
2.0
$60,600
$1,515
$18,180
$455
3,939
31%
$9.29
$483
1.6
Webb County
$13.38
$696
$27,840
1.8
$39,600
$990
$11,880
$297
22,937
35%
$8.10
$421
1.7
Wharton County
$12.71
$661
$26,440
1.8
$53,900
$1,348
$16,170
$404
4,547
31%
$8.40
$437
1.5
Wheeler County
$11.23
$584
$23,360
1.5
$52,200
$1,305
$15,660
$392
443
21%
$10.22
$532
1.1
Wichita County
$13.63
$709
$28,360
1.9
$55,800
$1,395
$16,740
$419
17,454
36%
$10.64
$553
1.3
Wilbarger County
$13.27
$690
$27,600
1.8
$46,000
$1,150
$13,800
$345
2,036
39%
$10.52
$547
1.3
Willacy County
$12.29
$639
$25,560
1.7
$26,000
$650
$7,800
$195
1,587
29%
$10.02
$521
1.2
Williamson County *
$19.02
$989
$39,560
2.6
$75,900
$1,898
$22,770
$569
42,173
30%
$14.30
$744
1.3
Wilson County
$14.62
$760
$30,400
2.0
$60,800
$1,520
$18,240
$456
2,243
16%
$6.44
$335
2.3
Winkler County
$12.85
$668
$26,720
1.8
$48,000
$1,200
$14,400
$360
462
18%
$20.18
$1,049
0.6
Wise County
$13.71
$713
$28,520
1.9
$67,200
$1,680
$20,160
$504
3,745
19%
$16.23
$844
0.8
Wood County
$11.73
$610
$24,400
1.6
$52,300
$1,308
$15,690
$392
2,978
19%
$11.52
$599
1.0
Yoakum County
$12.90
$671
$26,840
1.8
$54,300
$1,358
$16,290
$407
384
15%
$14.38
$748
0.9
Young County
$13.48
$701
$28,040
1.9
$50,500
$1,263
$15,150
$379
2,313
31%
$13.90
$723
1.0
Zapata County
$11.23
$584
$23,360
1.5
$23,500
$588
$7,050
$176
1,048
24%
$13.53
$704
0.8
Zavala County
$11.23
$584
$23,360
1.5
$26,000
$650
$7,800
$195
1,147
32%
$5.90
$307
1.9
203
Utah
In Utah, the Fair Market Rent (FMR) for a two-bedroom apartment is $727. In order to afford this level of rent and
$13.99
In Utah, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Utah, the estimated mean (average) wage for a renter is $11.75. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$727
Two-Bedroom FMR
$1,703
$116
$216
Minimum Wage Earner
$350
SSI Recipient
$518
$611
$511
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
204
Utah
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Utah
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$13.99
$727
$29,089
1.9
$68,103
$1,703
$20,431
$511
247,660
29%
$11.75
$611
1.2
$12.02
$625
$25,010
1.7
$57,517
$1,438
$17,255
$431
25,625
25%
$11.57
$602
1.0
Logan MSA
$11.96
$622
$24,880
1.6
$57,300
$1,433
$17,190
$430
12,223
36%
$8.88
$462
1.3
Ogden-Clearfield MSA
$14.04
$730
$29,200
1.9
$71,500
$1,788
$21,450
$536
41,206
24%
$9.95
$517
1.4
Provo-Orem MSA
$13.13
$683
$27,320
1.8
$67,100
$1,678
$20,130
$503
42,006
30%
$10.63
$553
1.2
Salt Lake City HMFA
$14.88
$774
$30,960
2.1
$71,300
$1,783
$21,390
$535
105,438
31%
$13.10
$681
1.1
St. George MSA
$14.44
$751
$30,040
2.0
$57,100
$1,428
$17,130
$428
13,354
29%
$10.35
$538
1.4
Summit County HMFA
$17.04
$886
$35,440
2.4
$100,300
$2,508
$30,090
$752
3,477
26%
$9.24
$480
1.8
Tooele County HMFA
$13.29
$691
$27,640
1.8
$68,900
$1,723
$20,670
$517
4,331
24%
$11.99
$624
1.1
Metropolitan Areas
Counties
Beaver County
$11.23
$584
$23,360
1.5
$49,300
$1,233
$14,790
$370
487
23%
$9.15
$476
1.2
Box Elder County
$11.50
$598
$23,920
1.6
$63,600
$1,590
$19,080
$477
2,891
19%
$12.94
$673
0.9
Cache County
$11.96
$622
$24,880
1.6
$57,300
$1,433
$17,190
$430
12,223
36%
$8.88
$462
1.3
Carbon County
$11.23
$584
$23,360
1.5
$53,200
$1,330
$15,960
$399
2,328
29%
$10.31
$536
1.1
Daggett County
$11.81
$614
$24,560
1.6
$61,500
$1,538
$18,450
$461
126
36%
$10.71
$557
1.1
Davis County
$14.04
$730
$29,200
1.9
$71,500
$1,788
$21,450
$536
19,628
22%
$9.87
$513
1.4
Duchesne County
$11.48
$597
$23,880
1.6
$58,400
$1,460
$17,520
$438
1,668
26%
$13.52
$703
0.8
Emery County
$11.23
$584
$23,360
1.5
$57,900
$1,448
$17,370
$434
722
19%
$18.83
$979
0.6
Garfield County
$11.23
$584
$23,360
1.5
$59,400
$1,485
$17,820
$446
438
21%
$10.93
$568
1.0
Grand County
$12.67
$659
$26,360
1.7
$53,600
$1,340
$16,080
$402
1,153
31%
$10.06
$523
1.3
Iron County
$11.88
$618
$24,720
1.6
$48,700
$1,218
$14,610
$365
5,574
37%
$9.28
$483
1.3
Juab County
$13.13
$683
$27,320
1.8
$67,100
$1,678
$20,130
$503
528
17%
$10.38
$540
1.3
Kane County
$11.23
$584
$23,360
1.5
$50,600
$1,265
$15,180
$380
730
24%
$9.06
$471
1.2
Millard County
$11.23
$584
$23,360
1.5
$56,800
$1,420
$17,040
$426
945
23%
$9.26
$482
1.2
Morgan County
$14.04
$730
$29,200
1.9
$71,500
$1,788
$21,450
$536
320
12%
$12.36
$643
1.1
Piute County
$12.58
$654
$26,160
1.7
$44,100
$1,103
$13,230
$331
59
11%
$6.14
$319
2.0
Rich County
$16.77
$872
$34,880
2.3
$55,500
$1,388
$16,650
$416
89
12%
$8.54
$444
2.0
Salt Lake County
$14.88
$774
$30,960
2.1
$71,300
$1,783
$21,390
$535
105,438
31%
$13.10
$681
1.1
205
Utah
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
San Juan County
$11.23
$584
$23,360
1.5
$46,200
$1,155
$13,860
$347
943
22%
$11.78
$612
Sanpete County
$11.31
$588
$23,520
1.6
$51,900
$1,298
$15,570
$389
1,798
23%
$6.63
$345
1.0
1.7
Sevier County
$11.23
$584
$23,360
1.5
$54,300
$1,358
$16,290
$407
1,299
19%
$10.55
$548
1.1
Summit County
$17.04
$886
$35,440
2.4
$100,300
$2,508
$30,090
$752
3,477
26%
$9.24
$480
1.8
Tooele County
$13.29
$691
$27,640
1.8
$68,900
$1,723
$20,670
$517
4,331
24%
$11.99
$624
1.1
Uintah County
$12.31
$640
$25,600
1.7
$70,400
$1,760
$21,120
$528
2,603
25%
$15.91
$827
0.8
Utah County
$13.13
$683
$27,320
1.8
$67,100
$1,678
$20,130
$503
41,478
31%
$10.64
$553
1.2
Wasatch County
$16.98
$883
$35,320
2.3
$72,900
$1,823
$21,870
$547
1,578
22%
$9.41
$489
1.8
Washington County
$14.44
$751
$30,040
2.0
$57,100
$1,428
$17,130
$428
13,354
29%
$10.35
$538
1.4
Wayne County
$17.25
$897
$35,880
2.4
$52,600
$1,315
$15,780
$395
194
22%
$10.78
$561
1.6
Weber County
$14.04
$730
$29,200
1.9
$71,500
$1,788
$21,450
$536
21,258
27%
$9.97
$518
1.4
206
Vermont
In Vermont, the Fair Market Rent (FMR) for a two-bedroom apartment is $976. In order to afford this level of rent
Wage of:
$18.77
In Vermont, a minimum wage worker earns an hourly wage of $8.46. In order to afford the FMR for a two-bedroom
In Vermont, the estimated mean (average) wage for a renter is $11.06. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$976
Two-Bedroom FMR
$1,702
$401
$465
Minimum Wage Earner
$536
SSI Recipient
$751
$575
$511
$440
Minimum Wage Earner

SSI Recipient
$225
$0
$500
$1,000
$1,500
$2,000
207
Vermont
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Vermont
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.77
$976
$39,051
2.2
$68,088
$1,702
$20,426
$511
73,450
29%
$11.06
$575
1.7
$17.20
$894
$35,770
2.0
$63,960
$1,599
$19,188
$480
47,230
27%
$10.43
$542
1.6
$21.62
$1,124
$44,960
2.6
$76,700
$1,918
$23,010
$575
26,220
32%
$12.04
$626
1.8
Addison County
$18.21
$947
$37,880
2.2
$71,500
$1,788
$21,450
$536
3,431
24%
$10.81
$562
1.7
Bennington County
$16.38
$852
$34,080
1.9
$62,600
$1,565
$18,780
$470
4,268
27%
$10.88
$566
1.5
Caledonia County
$14.46
$752
$30,080
1.7
$53,800
$1,345
$16,140
$404
3,599
29%
$9.40
$489
1.5
Essex County
$14.00
$728
$29,120
1.7
$52,300
$1,308
$15,690
$392
457
16%
Lamoille County
$18.23
$948
$37,920
2.2
$65,700
$1,643
$19,710
$493
3,210
31%
$9.60
$499
1.9
Orange County
$16.13
$839
$33,560
1.9
$64,400
$1,610
$19,320
$483
2,251
19%
$8.90
$463
1.8
Orleans County
$14.35
$746
$29,840
1.7
$52,600
$1,315
$15,780
$395
2,521
23%
$9.02
$469
1.6
Rutland County
$16.40
$853
$34,120
1.9
$61,600
$1,540
$18,480
$462
7,910
30%
$10.36
$539
1.6
Washington County
$17.81
$926
$37,040
2.1
$72,300
$1,808
$21,690
$542
6,744
27%
$11.04
$574
1.6
Windham County
$17.48
$909
$36,360
2.1
$62,000
$1,550
$18,600
$465
5,929
30%
$12.07
$627
1.4
Windsor County
$19.81
$1,030
$41,200
2.3
$66,800
$1,670
$20,040
$501
6,910
28%
$9.32
$485
2.1
Metropolitan Areas
Burlington-South Burlington MSA
Counties
208
Towns within Vermont FMR Areas

Burlington-South Burlington, VT MSA
Chittenden County
Bolton town, Buels gore, Burlington city, Charlotte town, Colchester town, Essex town, Hinesburg town, Huntington town, Jericho town, Milton town, Richmond
town, Shelburne town, South Burlington city, St. George town, Underhill town, Westford town, Williston town, Winooski city
Franklin County
Bakersfield town, Berkshire town, Enosburg town, Fairfax town, Fairfield town, Fletcher town, Franklin town, Georgia town, Highgate town, Montgomery town,
Richford town, Sheldon town, St. Albans city, St. Albans town, Swanton town
Grand Isle County
Alburg town, Grand Isle town, Isle La Motte town, North Hero town, South Hero town
209
Virginia
In Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is $1,054. In order to afford this level of rent
Wage of:
$20.26
In Virginia, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Virginia, the estimated mean (average) wage for a renter is $15.62. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$1,054
Two-Bedroom FMR
$1,965
$242
$464
Minimum Wage Earner
$677
SSI Recipient
$845
$812
$590
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
$2,500
210
Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Virginia
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$20.26
$1,054
$42,143
2.8
$78,620
$1,965
$23,586
$590
926,272
31%
$15.62
$812
1.3
$11.69
$608
$24,312
1.6
$53,508
$1,338
$16,052
$401
113,120
26%
$10.04
$522
1.2
1.6
Metropolitan Areas
Blacksburg-Christiansburg-Radford HMFA
$13.92
$724
$28,960
1.9
$68,400
$1,710
$20,520
$513
17,722
44%
$8.95
$466
Charlottesville MSA
$19.79
$1,029
$41,160
2.7
$77,800
$1,945
$23,340
$584
27,067
35%
$12.78
$664
1.5
Danville MSA
$11.69
$608
$24,320
1.6
$48,700
$1,218
$14,610
$365
14,294
31%
$9.76
$507
1.2
$11.73
$610
$24,400
1.6
$56,200
$1,405
$16,860
$422
5,031
22%
$10.33
$537
1.1
Giles County HMFA
$10.40
$541
$21,640
1.4
$51,600
$1,290
$15,480
$387
1,573
22%
$10.08
$524
1.0
Harrisonburg MSA
$15.08
$784
$31,360
2.1
$60,700
$1,518
$18,210
$455
16,696
37%
$11.67
$607
1.3
Kingsport-Bristol-Bristol MSA
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
11,104
28%
$10.14
$527
1.1
Louisa County HMFA
$13.23
$688
$27,520
1.8
$65,100
$1,628
$19,530
$488
2,886
22%
$15.20
$790
0.9
Lynchburg MSA
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
27,230
28%
$11.42
$594
1.1
Pulaski County HMFA
$11.08
$576
$23,040
1.5
$49,400
$1,235
$14,820
$371
4,006
27%
$9.77
$508
1.1
Richmond HMFA
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
142,781
31%
$14.53
$755
1.2
Roanoke HMFA
$14.08
$732
$29,280
1.9
$63,200
$1,580
$18,960
$474
32,289
31%
$12.50
$650
1.1
Virginia Beach-Norfolk-Newport News MSA *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
217,660
36%
$12.91
$671
1.6
Warren County HMFA
$16.23
$844
$33,760
2.2
$78,400
$1,960
$23,520
$588
3,569
25%
$9.68
$503
1.7
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
278,133
31%
$20.93
$1,089
1.4
Winchester MSA
$17.21
$895
$35,800
2.4
$65,300
$1,633
$19,590
$490
11,111
29%
$14.00
$728
1.2
Counties
Accomack County
$12.37
$643
$25,720
1.7
$51,900
$1,298
$15,570
$389
3,649
26%
$10.87
$565
1.1
Albemarle County
$19.79
$1,029
$41,160
2.7
$77,800
$1,945
$23,340
$584
12,949
35%
$13.30
$691
1.5
Alexandria city *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
34,635
54%
$22.62
$1,176
1.3
Alleghany County
$10.40
$541
$21,640
1.4
$53,200
$1,330
$15,960
$399
1,206
17%
$7.93
$412
1.3
Amelia County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
821
17%
$12.37
$643
1.4
Amherst County
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
3,130
25%
$10.82
$563
1.2
Appomattox County
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
1,437
24%
$6.31
$328
2.0
Arlington County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
48,724
53%
$29.03
$1,509
1.0
Augusta County
$12.10
$629
$25,160
1.7
$59,800
$1,495
$17,940
$449
5,226
19%
$12.06
$627
1.0
211
Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Bath County
$10.69
$556
$22,240
1.5
$50,600
$1,265
$15,180
$380
264
13%
$12.41
$645
0.9
Bedford city
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
930
33%
$7.24
$377
1.7
Bedford County
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
4,217
16%
$8.48
$441
1.5
Bland County
$10.40
$541
$21,640
1.4
$47,600
$1,190
$14,280
$357
391
15%
$11.47
$596
0.9
Botetourt County
$14.08
$732
$29,280
1.9
$63,200
$1,580
$18,960
$474
1,654
13%
$10.52
$547
1.3
Bristol city
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
3,039
38%
$7.29
$379
1.5
Brunswick County
$10.40
$541
$21,640
1.4
$46,700
$1,168
$14,010
$350
1,823
30%
$9.20
$478
1.1
Buchanan County
$10.40
$541
$21,640
1.4
$37,900
$948
$11,370
$284
1,869
20%
$11.86
$616
0.9
Buckingham County
$10.40
$541
$21,640
1.4
$48,100
$1,203
$14,430
$361
1,227
25%
$13.89
$722
0.7
Buena Vista city
$11.77
$612
$24,480
1.6
$55,500
$1,388
$16,650
$416
948
35%
$7.78
$404
1.5
Campbell County
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
5,348
24%
$10.89
$566
1.2
Caroline County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
1,753
17%
$10.17
$529
1.7
Carroll County
$10.40
$541
$21,640
1.4
$45,700
$1,143
$13,710
$343
3,048
24%
$8.72
$453
1.2
Charles City County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
407
15%
$15.82
$823
1.1
Charlotte County
$10.40
$541
$21,640
1.4
$50,400
$1,260
$15,120
$378
975
22%
$6.96
$362
1.5
Charlottesville city
$19.79
$1,029
$41,160
2.7
$77,800
$1,945
$23,340
$584
10,147
59%
$13.15
$684
1.5
Chesapeake city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
19,790
25%
$10.28
$534
2.0
Chesterfield County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
24,312
22%
$12.39
$644
1.4
Clarke County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
1,340
24%
$10.50
$546
2.8
Colonial Heights city
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
2,423
34%
$9.66
$502
1.7
Covington city
$10.40
$541
$21,640
1.4
$53,200
$1,330
$15,960
$399
827
31%
$17.71
$921
0.6
Craig County
$14.08
$732
$29,280
1.9
$63,200
$1,580
$18,960
$474
285
14%
$13.22
$687
1.1
Culpeper County
$14.85
$772
$30,880
2.0
$79,000
$1,975
$23,700
$593
4,336
27%
$10.46
$544
1.4
Cumberland County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
880
22%
$8.20
$427
2.1
Danville city
$11.69
$608
$24,320
1.6
$48,700
$1,218
$14,610
$365
8,825
45%
$10.16
$528
1.2
Dickenson County
$10.40
$541
$21,640
1.4
$36,300
$908
$10,890
$272
1,198
19%
$11.97
$622
0.9
Dinwiddie County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
2,373
24%
$14.64
$761
1.2
Emporia city
$10.98
$571
$22,840
1.5
$47,400
$1,185
$14,220
$356
1,242
52%
$9.18
$477
1.2
Essex County
$13.21
$687
$27,480
1.8
$54,900
$1,373
$16,470
$412
1,125
25%
$11.52
$599
1.1
Fairfax city *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
2,376
28%
$17.97
$934
1.6
Fairfax County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
107,320
28%
$23.56
$1,225
1.2
212
Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Falls Church city *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
1,700
36%
$14.88
$774
1.9
Fauquier County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
4,736
21%
$10.54
$548
2.7
Floyd County
$10.40
$541
$21,640
1.4
$53,800
$1,345
$16,140
$404
1,364
22%
$9.68
$503
1.1
Fluvanna County
$19.79
$1,029
$41,160
2.7
$77,800
$1,945
$23,340
$584
1,171
13%
$8.68
$452
2.3
Franklin city
$13.37
$695
$27,800
1.8
$59,800
$1,495
$17,940
$449
1,893
54%
$9.63
$501
1.4
Franklin County
$11.73
$610
$24,400
1.6
$56,200
$1,405
$16,860
$422
5,031
22%
$10.33
$537
1.1
Frederick County
$17.21
$895
$35,800
2.4
$65,300
$1,633
$19,590
$490
6,063
21%
$13.11
$682
1.3
Fredericksburg city *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
5,614
61%
$13.45
$700
2.2
Galax city
$10.40
$541
$21,640
1.4
$45,700
$1,143
$13,710
$343
1,221
37%
$10.06
$523
1.0
Giles County
$10.40
$541
$21,640
1.4
$51,600
$1,290
$15,480
$387
1,573
22%
$10.08
$524
1.0
Gloucester County *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
2,470
18%
$7.87
$409
2.6
Goochland County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
598
9%
$19.42
$1,010
0.9
Grayson County
$10.40
$541
$21,640
1.4
$41,000
$1,025
$12,300
$308
1,285
19%
$6.91
$359
1.5
Greene County
$19.79
$1,029
$41,160
2.7
$77,800
$1,945
$23,340
$584
1,352
20%
$9.19
$478
2.2
Greensville County
$10.98
$571
$22,840
1.5
$47,400
$1,185
$14,220
$356
860
25%
$10.25
$533
1.1
Halifax County
$10.40
$541
$21,640
1.4
$47,900
$1,198
$14,370
$359
3,526
24%
$9.46
$492
1.1
Hampton city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
21,710
41%
$12.70
$660
1.6
Hanover County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
5,813
16%
$10.79
$561
1.6
Harrisonburg city
$15.08
$784
$31,360
2.1
$60,700
$1,518
$18,210
$455
9,195
61%
$11.47
$596
1.3
Henrico County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
40,263
33%
$15.15
$788
1.1
Henry County
$10.40
$541
$21,640
1.4
$44,100
$1,103
$13,230
$331
5,513
24%
$10.85
$564
1.0
Highland County
$10.40
$541
$21,640
1.4
$55,900
$1,398
$16,770
$419
264
23%
$9.77
$508
1.1
Hopewell city
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
4,307
48%
$19.06
$991
0.9
Isle of Wight County *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
2,558
19%
$9.70
$504
2.1
James City County *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
6,079
24%
$10.05
$522
2.0
King and Queen County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
552
20%
$16.36
$851
1.0
King George County
$15.71
$817
$32,680
2.2
$89,400
$2,235
$26,820
$671
1,933
24%
$15.52
$807
1.0
King William County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
860
15%
$9.87
$513
1.7
Lancaster County
$15.13
$787
$31,480
2.1
$56,900
$1,423
$17,070
$427
1,241
23%
$11.28
$587
1.3
Lee County
$10.40
$541
$21,640
1.4
$43,400
$1,085
$13,020
$326
2,573
26%
$7.89
$410
1.3
Lexington city
$11.77
$612
$24,480
1.6
$55,500
$1,388
$16,650
$416
1,029
49%
$6.88
$358
1.7
213
Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Loudoun County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
18,308
19%
$16.07
$836
1.8
Louisa County
$13.23
$688
$27,520
1.8
$65,100
$1,628
$19,530
$488
2,886
22%
$15.20
$790
0.9
Lunenburg County
$11.40
$593
$23,720
1.6
$44,200
$1,105
$13,260
$332
1,154
26%
$9.88
$514
1.2
Lynchburg city
$12.58
$654
$26,160
1.7
$60,100
$1,503
$18,030
$451
12,168
44%
$13.04
$678
1.0
Madison County
$13.58
$706
$28,240
1.9
$66,000
$1,650
$19,800
$495
992
19%
$14.77
$768
0.9
Manassas city *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
3,729
32%
$16.15
$840
1.8
Manassas Park city *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
1,213
29%
$16.21
$843
1.8
Martinsville city
$10.40
$541
$21,640
1.4
$44,100
$1,103
$13,230
$331
2,403
41%
$7.11
$370
1.5
Mathews County *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
642
17%
$7.34
$382
2.8
Mecklenburg County
$10.40
$541
$21,640
1.4
$47,200
$1,180
$14,160
$354
3,131
25%
$9.43
$490
1.1
Middlesex County
$11.73
$610
$24,400
1.6
$64,300
$1,608
$19,290
$482
814
19%
$9.56
$497
1.2
Montgomery County
$13.92
$724
$28,960
1.9
$68,400
$1,710
$20,520
$513
14,982
44%
$8.71
$453
1.6
Nelson County
$19.79
$1,029
$41,160
2.7
$77,800
$1,945
$23,340
$584
1,448
22%
$10.58
$550
1.9
New Kent County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
648
10%
$8.38
$436
2.0
Newport News city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
33,822
48%
$15.31
$796
1.3
Norfolk city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
45,386
53%
$15.93
$829
1.3
Northampton County
$12.69
$660
$26,400
1.8
$50,800
$1,270
$15,240
$381
1,471
29%
$8.57
$446
1.5
Northumberland County
$12.62
$656
$26,240
1.7
$63,100
$1,578
$18,930
$473
859
16%
$8.24
$429
1.5
Norton city
$10.40
$541
$21,640
1.4
$43,300
$1,083
$12,990
$325
812
46%
$9.46
$492
1.1
Nottoway County
$12.46
$648
$25,920
1.7
$51,900
$1,298
$15,570
$389
1,999
36%
$11.26
$586
1.1
Orange County
$15.00
$780
$31,200
2.1
$66,500
$1,663
$19,950
$499
2,732
22%
$12.14
$631
1.2
Page County
$11.79
$613
$24,520
1.6
$54,800
$1,370
$16,440
$411
2,347
24%
$8.16
$424
1.4
Patrick County
$10.40
$541
$21,640
1.4
$43,800
$1,095
$13,140
$329
1,371
19%
$7.60
$395
1.4
Petersburg city
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
6,053
49%
$13.81
$718
1.2
Pittsylvania County
$11.69
$608
$24,320
1.6
$48,700
$1,218
$14,610
$365
5,469
21%
$8.73
$454
1.3
Poquoson city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
689
15%
Portsmouth city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
14,355
38%
$12.63
$657
1.6
Powhatan County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
894
10%
$9.78
$508
1.7
Prince Edward County
$12.17
$633
$25,320
1.7
$52,800
$1,320
$15,840
$396
2,676
37%
$9.98
$519
1.2
Prince George County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
2,581
25%
$12.11
$630
1.4
Prince William County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
31,507
25%
$11.49
$598
2.5
214
Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Pulaski County
$11.08
$576
$23,040
1.5
$49,400
$1,235
$14,820
$371
4,006
27%
$9.77
$508
1.1
Radford city
$13.92
$724
$28,960
1.9
$68,400
$1,710
$20,520
$513
2,740
48%
$10.68
$555
1.3
Rappahannock County
$15.21
$791
$31,640
2.1
$74,300
$1,858
$22,290
$557
869
27%
$13.66
$710
1.1
Richmond city
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
45,991
55%
$17.50
$910
1.0
Richmond County
$12.23
$636
$25,440
1.7
$58,900
$1,473
$17,670
$442
605
20%
$9.49
$494
1.3
Roanoke city
$14.08
$732
$29,280
1.9
$63,200
$1,580
$18,960
$474
18,828
44%
$12.89
$670
1.1
Roanoke County
$14.08
$732
$29,280
1.9
$63,200
$1,580
$18,960
$474
8,432
22%
$11.47
$597
1.2
Rockbridge County
$11.77
$612
$24,480
1.6
$55,500
$1,388
$16,650
$416
2,212
24%
$7.38
$384
1.6
Rockingham County
$15.08
$784
$31,360
2.1
$60,700
$1,518
$18,210
$455
7,501
25%
$11.87
$617
1.3
Russell County
$10.40
$541
$21,640
1.4
$45,100
$1,128
$13,530
$338
2,648
23%
$7.56
$393
1.4
Salem city
$14.08
$732
$29,280
1.9
$63,200
$1,580
$18,960
$474
3,090
31%
$13.73
$714
1.0
Scott County
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
2,207
23%
$7.77
$404
1.4
Shenandoah County
$12.50
$650
$26,000
1.7
$64,300
$1,608
$19,290
$482
5,277
30%
$9.55
$497
1.3
Smyth County
$10.40
$541
$21,640
1.4
$47,300
$1,183
$14,190
$355
3,518
27%
$9.36
$487
1.1
Southampton County
$13.37
$695
$27,800
1.8
$59,800
$1,495
$17,940
$449
1,567
24%
$7.67
$399
1.7
Spotsylvania County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
8,250
20%
$9.81
$510
3.0
Stafford County *
$28.96
$1,506
$60,240
4.0
$107,500
$2,688
$32,250
$806
8,681
22%
$11.51
$599
2.5
Staunton city
$12.10
$629
$25,160
1.7
$59,800
$1,495
$17,940
$449
4,118
40%
$8.37
$435
1.4
Suffolk city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
7,488
25%
$8.96
$466
2.3
Surry County *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
641
26%
$26.61
$1,384
0.8
Sussex County
$16.88
$878
$35,120
2.3
$75,600
$1,890
$22,680
$567
1,252
33%
$11.33
$589
1.5
Tazewell County
$10.40
$541
$21,640
1.4
$47,000
$1,175
$14,100
$353
4,800
27%
$8.49
$442
1.2
Virginia Beach city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
54,845
33%
$12.78
$665
1.6
Warren County
$16.23
$844
$33,760
2.2
$78,400
$1,960
$23,520
$588
3,569
25%
$9.68
$503
1.7
Washington County
$10.83
$563
$22,520
1.5
$50,200
$1,255
$15,060
$377
5,858
26%
$12.44
$647
0.9
Waynesboro city
$12.10
$629
$25,160
1.7
$59,800
$1,495
$17,940
$449
3,526
41%
$8.97
$467
1.3
Westmoreland County
$15.65
$814
$32,560
2.2
$63,300
$1,583
$18,990
$475
1,702
24%
$9.81
$510
1.6
Williamsburg city *
$20.46
$1,064
$42,560
2.8
$70,900
$1,773
$21,270
$532
2,054
50%
$11.21
$583
1.8
Winchester city
$17.21
$895
$35,800
2.4
$65,300
$1,633
$19,590
$490
5,048
49%
$14.72
$766
1.2
Wise County
$10.40
$541
$21,640
1.4
$43,300
$1,083
$12,990
$325
4,777
30%
$13.22
$687
0.8
Wythe County
$10.40
$541
$21,640
1.4
$51,600
$1,290
$15,480
$387
2,684
23%
$8.83
$459
1.2
215
Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
York County *
$20.46
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
$1,064
$42,560
2.8
Annual
2
AMI
$70,900
Rent
affordable
at AMI 3
$1,773
30%
4
of AMI
$21,270
Rent
affordable
at 30%
of AMI
$532
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
5,131
21%
Estimated
Rent
hourly wage at mean
wage
(2012)
$9.72
$505
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
2.1
216
Washington
In Washington, the Fair Market Rent (FMR) for a two-bedroom apartment is $944. In order to afford this level of
Wage of:
$18.16
In Washington, a minimum wage worker earns an hourly wage of $9.04. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 80 hours per week, 52 weeks per year. Or a household must
affordable.
In Washington, the estimated mean (average) wage for a renter is $14.62. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 50 hours per week, 52 weeks per year. Or, working 40 hours per
$944
Two-Bedroom FMR
$1,871
$184
$383
Minimum Wage Earner
$474
SSI Recipient
$735
$760
$561
$470
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
Gap between Rent

Affordable and
FMR
$2,000
217
Washington
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Washington
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$18.16
$944
$37,766
2.0
$74,839
$1,871
$22,452
$561
907,979
35%
$14.62
$760
1.2
$14.05
$730
$29,214
1.6
$57,830
$1,446
$17,349
$434
98,708
31%
$9.03
$469
1.6
Bellingham MSA
$16.35
$850
$34,000
1.8
$67,800
$1,695
$20,340
$509
29,498
38%
$10.84
$564
1.5
Bremerton-Silverdale MSA
$18.00
$936
$37,440
2.0
$75,600
$1,890
$22,680
$567
30,229
32%
$10.48
$545
1.7
Kennewick-Pasco-Richland MSA
$14.44
$751
$30,040
1.6
$66,800
$1,670
$20,040
$501
25,929
31%
$11.98
$623
1.2
Lewiston MSA
$11.98
$623
$24,920
1.3
$55,800
$1,395
$16,740
$419
2,574
29%
$7.80
$405
1.5
Longview MSA
$13.42
$698
$27,920
1.5
$59,100
$1,478
$17,730
$443
12,912
33%
$11.05
$575
1.2
Mount Vernon-Anacortes MSA
$17.69
$920
$36,800
2.0
$65,900
$1,648
$19,770
$494
13,544
30%
$11.06
$575
1.6
Olympia MSA
$17.27
$898
$35,920
1.9
$75,000
$1,875
$22,500
$563
32,141
33%
$11.12
$578
1.6
Portland-Vancouver-Beaverton MSA
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
51,074
32%
$12.11
$630
1.4
Seattle-Bellevue HMFA
$21.12
$1,098
$43,920
2.3
$88,000
$2,200
$26,400
$660
397,606
38%
$18.17
$945
1.2
Spokane MSA
$14.52
$755
$30,200
1.6
$62,900
$1,573
$18,870
$472
64,576
35%
$10.65
$554
1.4
Tacoma HMFA
$17.87
$929
$37,160
2.0
$71,700
$1,793
$21,510
$538
108,414
37%
$12.79
$665
1.4
Wenatchee-East Wenatchee MSA
$14.02
$729
$29,160
1.6
$58,700
$1,468
$17,610
$440
12,409
31%
$9.46
$492
1.5
Yakima MSA
$13.42
$698
$27,920
1.5
$51,200
$1,280
$15,360
$384
28,365
36%
$9.28
$483
1.4
Adams County
$11.31
$588
$23,520
1.3
$46,100
$1,153
$13,830
$346
2,019
36%
$11.75
$611
Asotin County
$11.98
$623
$24,920
1.3
$55,800
$1,395
$16,740
$419
2,574
29%
$7.80
$405
1.5
Benton County
$14.44
$751
$30,040
1.6
$66,800
$1,670
$20,040
$501
18,808
30%
$13.15
$684
1.1
Chelan County
$14.02
$729
$29,160
1.6
$58,700
$1,468
$17,610
$440
8,529
32%
$9.93
$517
1.4
Clallam County
$14.94
$777
$31,080
1.7
$58,100
$1,453
$17,430
$436
8,943
29%
$9.53
$495
1.6
Clark County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
50,000
32%
$12.17
$633
1.4
Columbia County
$11.23
$584
$23,360
1.2
$58,800
$1,470
$17,640
$441
480
28%
$6.19
$322
1.8
Cowlitz County
$13.42
$698
$27,920
1.5
$59,100
$1,478
$17,730
$443
12,912
33%
$11.05
$575
1.2
Douglas County
$14.02
$729
$29,160
1.6
$58,700
$1,468
$17,610
$440
3,880
28%
$7.73
$402
1.8
Ferry County
$11.23
$584
$23,360
1.2
$46,400
$1,160
$13,920
$348
768
28%
$8.04
$418
1.4
Franklin County
$14.44
$751
$30,040
1.6
$66,800
$1,670
$20,040
$501
7,121
33%
$8.58
$446
1.7
Garfield County
$11.23
$584
$23,360
1.2
$50,200
$1,255
$15,060
$377
246
27%
$11.23
$584
1.0
Metropolitan Areas
Counties
1.0
218
Washington
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Grant County
$11.60
$603
$24,120
1.3
$52,100
$1,303
$15,630
$391
11,017
37%
$9.59
$498
1.2
Grays Harbor County
$13.21
$687
$27,480
1.5
$52,100
$1,303
$15,630
$391
8,828
31%
$10.01
$520
1.3
Island County
$17.27
$898
$35,920
1.9
$72,500
$1,813
$21,750
$544
8,612
26%
$9.66
$502
1.8
Jefferson County
$16.92
$880
$35,200
1.9
$63,300
$1,583
$18,990
$475
3,723
26%
$7.32
$381
2.3
King County
$21.12
$1,098
$43,920
2.3
$88,000
$2,200
$26,400
$660
313,438
40%
$18.89
$982
1.1
Kitsap County
$18.00
$936
$37,440
2.0
$75,600
$1,890
$22,680
$567
30,229
32%
$10.48
$545
1.7
Kittitas County
$15.27
$794
$31,760
1.7
$62,900
$1,573
$18,870
$472
7,229
43%
$7.01
$365
2.2
Klickitat County
$11.79
$613
$24,520
1.3
$49,400
$1,235
$14,820
$371
2,531
30%
$12.16
$632
1.0
Lewis County
$14.60
$759
$30,360
1.6
$56,500
$1,413
$16,950
$424
8,144
28%
$9.93
$516
1.5
Lincoln County
$12.87
$669
$26,760
1.4
$54,200
$1,355
$16,260
$407
998
21%
$8.16
$424
1.6
Mason County
$15.15
$788
$31,520
1.7
$60,200
$1,505
$18,060
$452
4,176
19%
$7.59
$395
2.0
Okanogan County
$12.42
$646
$25,840
1.4
$51,300
$1,283
$15,390
$385
4,946
31%
$5.93
$308
2.1
Pacific County
$13.23
$688
$27,520
1.5
$52,700
$1,318
$15,810
$395
2,492
26%
$6.59
$343
2.0
Pend Oreille County
$12.54
$652
$26,080
1.4
$48,000
$1,200
$14,400
$360
1,141
21%
$6.55
$341
1.9
Pierce County
$17.87
$929
$37,160
2.0
$71,700
$1,793
$21,510
$538
108,414
37%
$12.79
$665
1.4
San Juan County
$17.79
$925
$37,000
2.0
$65,800
$1,645
$19,740
$494
2,364
30%
$9.81
$510
1.8
Skagit County
$17.69
$920
$36,800
2.0
$65,900
$1,648
$19,770
$494
13,544
30%
$11.06
$575
1.6
Skamania County
$17.13
$891
$35,640
1.9
$73,000
$1,825
$21,900
$548
1,074
24%
$7.11
$370
2.4
Snohomish County
$21.12
$1,098
$43,920
2.3
$88,000
$2,200
$26,400
$660
84,168
32%
$14.70
$764
1.4
Spokane County
$14.52
$755
$30,200
1.6
$62,900
$1,573
$18,870
$472
64,576
35%
$10.65
$554
1.4
Stevens County
$12.46
$648
$25,920
1.4
$54,000
$1,350
$16,200
$405
3,378
19%
$8.65
$450
1.4
Thurston County
$17.27
$898
$35,920
1.9
$75,000
$1,875
$22,500
$563
32,141
33%
$11.12
$578
1.6
Wahkiakum County
$13.48
$701
$28,040
1.5
$55,600
$1,390
$16,680
$417
489
28%
$9.60
$499
1.4
Walla Walla County
$13.71
$713
$28,520
1.5
$58,100
$1,453
$17,430
$436
8,170
38%
$9.90
$515
1.4
Whatcom County
$16.35
$850
$34,000
1.8
$67,800
$1,695
$20,340
$509
29,498
38%
$10.84
$564
1.5
Whitman County
$13.77
$716
$28,640
1.5
$61,700
$1,543
$18,510
$463
8,014
51%
$7.33
$381
1.9
Yakima County
$13.42
$698
$27,920
1.5
$51,200
$1,280
$15,360
$384
28,365
36%
$9.28
$483
1.4
219
West Virginia
In West Virginia, the Fair Market Rent (FMR) for a two-bedroom apartment is $598. In order to afford this level of
Wage of:
$11.50
In West Virginia, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a twobedroom apartment, a minimum wage earner must work 63 hours per week, 52 weeks per year. Or a household must
affordable.
In West Virginia, the estimated mean (average) wage for a renter is $9.88. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 47 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$598
Two-Bedroom FMR
$1,289

$514
$84
$387
$211
Minimum Wage Earner
$377
Minimum Wage Earner
$221
SSI Recipient
$389
SSI Recipient
$209
$0
$500
$1,000
$1,500
220
West Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
West Virginia
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$11.50
$598
$23,917
1.6
$51,549
$1,289
$15,465
$387
188,019
25%
$9.88
$514
1.2
$10.00
$520
$20,793
1.4
$45,788
$1,145
$13,736
$343
75,196
23%
$9.50
$494
1.1
0.7
Metropolitan Areas
Boone County HMFA
$9.71
$505
$20,200
1.3
$53,500
$1,338
$16,050
$401
2,386
24%
$13.67
$711
Charleston HMFA
$12.04
$626
$25,040
1.7
$54,900
$1,373
$16,470
$412
29,261
25%
$12.13
$631
1.0
Cumberland MSA
$11.23
$584
$23,360
1.5
$53,000
$1,325
$15,900
$398
2,613
23%
$8.27
$430
1.4
$11.52
$599
$23,960
1.6
$50,300
$1,258
$15,090
$377
18,449
32%
$9.74
$506
1.2
Jefferson County HMFA
$17.46
$908
$36,320
2.4
$79,300
$1,983
$23,790
$595
4,261
22%
$8.72
$454
2.0
Martinsburg HMFA
$15.04
$782
$31,280
2.1
$63,900
$1,598
$19,170
$479
11,469
25%
$9.19
$478
1.6
Morgantown MSA
$12.69
$660
$26,400
1.8
$56,600
$1,415
$16,980
$425
16,542
35%
$9.04
$470
1.4
Parkersburg-Marietta-Vienna MSA
$11.65
$606
$24,240
1.6
$53,200
$1,330
$15,960
$399
10,611
26%
$7.49
$389
1.6
Steubenville-Weirton MSA
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
5,345
23%
$10.36
$539
1.1
Wheeling MSA
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
8,725
27%
$9.13
$475
1.2
Winchester MSA
$17.21
$895
$35,800
2.4
$65,300
$1,633
$19,590
$490
3,161
32%
$7.78
$404
2.2
Barbour County
$10.13
$527
$21,080
1.4
$41,100
$1,028
$12,330
$308
1,477
24%
$7.45
$387
Berkeley County
$15.04
$782
$31,280
2.1
$63,900
$1,598
$19,170
$479
9,433
24%
$9.17
$477
1.6
$9.71
$505
$20,200
1.3
$53,500
$1,338
$16,050
$401
2,386
24%
$13.67
$711
0.7
Braxton County
$10.29
$535
$21,400
1.4
$41,200
$1,030
$12,360
$309
1,289
21%
$8.37
$435
1.2
Brooke County
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
2,044
21%
$12.06
$627
0.9
Cabell County
$11.52
$599
$23,960
1.6
$50,300
$1,258
$15,090
$377
14,534
36%
$9.82
$511
1.2
$9.60
$499
$19,960
1.3
$37,700
$943
$11,310
$283
679
22%
$8.47
$440
1.1
Clay County
$12.04
$626
$25,040
1.7
$54,900
$1,373
$16,470
$412
717
20%
$9.55
$496
1.3
Doddridge County
Counties
Boone County
Calhoun County
1.4
$10.23
$532
$21,280
1.4
$39,000
$975
$11,700
$293
517
18%
$7.66
$398
1.3
Fayette County
$9.60
$499
$19,960
1.3
$44,200
$1,105
$13,260
$332
4,194
23%
$9.64
$501
1.0
Gilmer County
$9.60
$499
$19,960
1.3
$34,700
$868
$10,410
$260
702
29%
$8.70
$453
1.1
Grant County
$10.50
$546
$21,840
1.4
$47,300
$1,183
$14,190
$355
994
20%
$12.85
$668
0.8
Greenbrier County
$9.60
$499
$19,960
1.3
$43,200
$1,080
$12,960
$324
3,824
25%
$9.47
$492
1.0
Hampshire County
$17.21
$895
$35,800
2.4
$65,300
$1,633
$19,590
$490
3,161
32%
$7.78
$404
2.2
221
West Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Hancock County
$11.23
$584
$23,360
1.5
$51,700
$1,293
$15,510
$388
3,301
25%
$9.19
$478
1.2
Hardy County
$10.40
$541
$21,640
1.4
$47,100
$1,178
$14,130
$353
1,053
22%
$10.51
$547
1.0
Harrison County
$11.08
$576
$23,040
1.5
$50,300
$1,258
$15,090
$377
7,407
27%
$8.31
$432
1.3
Jackson County
$9.60
$499
$19,960
1.3
$52,600
$1,315
$15,780
$395
2,378
20%
$8.12
$422
1.2
Jefferson County
$17.46
$908
$36,320
2.4
$79,300
$1,983
$23,790
$595
4,261
22%
$8.72
$454
2.0
Kanawha County
$12.04
$626
$25,040
1.7
$54,900
$1,373
$16,470
$412
23,664
29%
$12.25
$637
1.0
$9.60
$499
$19,960
1.3
$45,700
$1,143
$13,710
$343
1,795
28%
$12.32
$641
0.8
$12.04
$626
$25,040
1.7
$54,900
$1,373
$16,470
$412
1,927
22%
$11.09
$577
1.1
Logan County
$9.60
$499
$19,960
1.3
$43,200
$1,080
$12,960
$324
4,015
27%
$11.15
$580
0.9
Marion County
$10.69
$556
$22,240
1.5
$49,700
$1,243
$14,910
$373
5,673
25%
$10.78
$561
1.0
Marshall County
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
3,076
22%
$11.64
$605
1.0
Mason County
$9.60
$499
$19,960
1.3
$42,800
$1,070
$12,840
$321
2,393
22%
$11.51
$598
0.8
McDowell County
$9.60
$499
$19,960
1.3
$28,000
$700
$8,400
$210
1,792
21%
$13.04
$678
0.7
Mercer County
$9.92
$516
$20,640
1.4
$43,700
$1,093
$13,110
$328
6,604
26%
$8.03
$417
1.2
Mineral County
$11.23
$584
$23,360
1.5
$53,000
$1,325
$15,900
$398
2,613
23%
$8.27
$430
1.4
$9.60
$499
$19,960
1.3
$41,200
$1,030
$12,360
$309
2,500
23%
$14.49
$753
0.7
Lewis County
Lincoln County
Mingo County
$12.69
$660
$26,400
1.8
$56,600
$1,415
$16,980
$425
14,315
41%
$9.20
$478
1.4
Monroe County
$9.60
$499
$19,960
1.3
$49,300
$1,233
$14,790
$370
847
15%
$10.37
$539
0.9
Morgan County
$15.04
$782
$31,280
2.1
$63,900
$1,598
$19,170
$479
2,036
29%
$9.46
$492
1.6
1.3
Monongalia County
$9.60
$499
$19,960
1.3
$47,500
$1,188
$14,250
$356
1,853
18%
$7.66
$399
$11.23
$584
$23,360
1.5
$51,100
$1,278
$15,330
$383
5,649
30%
$8.26
$429
1.4
Pendleton County
$9.60
$499
$19,960
1.3
$56,500
$1,413
$16,950
$424
772
22%
$11.92
$620
0.8
Pleasants County
$11.65
$606
$24,240
1.6
$53,200
$1,330
$15,960
$399
525
20%
$8.69
$452
1.3
$9.71
$505
$20,200
1.3
$41,300
$1,033
$12,390
$310
747
20%
$6.99
$364
1.4
Preston County
$12.69
$660
$26,400
1.8
$56,600
$1,415
$16,980
$425
2,227
17%
$7.57
$394
1.7
Putnam County
$12.04
$626
$25,040
1.7
$54,900
$1,373
$16,470
$412
2,953
14%
$11.88
$618
1.0
Raleigh County
1.0
Nicholas County
Ohio County
Pocahontas County
$10.15
$528
$21,120
1.4
$51,600
$1,290
$15,480
$387
7,297
23%
$10.02
$521
Randolph County
$9.60
$499
$19,960
1.3
$47,200
$1,180
$14,160
$354
2,498
22%
$6.11
$318
1.6
Ritchie County
$9.60
$499
$19,960
1.3
$42,500
$1,063
$12,750
$319
940
22%
$11.95
$622
0.8
Roane County
$9.60
$499
$19,960
1.3
$38,700
$968
$11,610
$290
1,435
24%
$7.88
$410
1.2
Summers County
$9.88
$514
$20,560
1.4
$43,300
$1,083
$12,990
$325
940
19%
$7.42
$386
1.3
222
West Virginia
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Taylor County
$10.29
$535
$21,400
1.4
$49,900
$1,248
$14,970
$374
1,412
21%
$7.49
$389
Tucker County
$9.60
$499
$19,960
1.3
$41,200
$1,030
$12,360
$309
641
20%
$6.13
$319
1.6
Tyler County
$9.60
$499
$19,960
1.3
$48,300
$1,208
$14,490
$362
659
17%
$10.42
$542
0.9
Upshur County
$10.31
$536
$21,440
1.4
$47,500
$1,188
$14,250
$356
1,936
21%
$9.04
$470
1.1
Wayne County
$11.52
$599
$23,960
1.6
$50,300
$1,258
$15,090
$377
3,915
23%
$9.11
$474
1.3
$9.60
$499
$19,960
1.3
$37,900
$948
$11,370
$284
860
21%
$11.66
$606
0.8
Wetzel County
$9.77
$508
$20,320
1.3
$50,700
$1,268
$15,210
$380
1,378
20%
$5.47
$285
1.8
Wirt County
$11.65
$606
$24,240
1.6
$53,200
$1,330
$15,960
$399
439
19%
Wood County
$11.65
$606
$24,240
1.6
$53,200
$1,330
$15,960
$399
9,647
27%
$7.41
$385
1.6
$9.60
$499
$19,960
1.3
$44,300
$1,108
$13,290
$332
1,695
19%
$10.33
$537
0.9
Webster County
Wyoming County
1.4
223
Wisconsin
In Wisconsin, the Fair Market Rent (FMR) for a two-bedroom apartment is $740. In order to afford this level of rent
Wage of:
$14.23
In Wisconsin, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Wisconsin, the estimated mean (average) wage for a renter is $11.05. In order to afford the FMR for a twobedroom apartment at this wage, a renter must work 52 hours per week, 52 weeks per year. Or, working 40 hours per
Gap between Rent
Affordable and
FMR
$740
Two-Bedroom FMR
$1,731
$166
$221
Minimum Wage Earner
$363
SSI Recipient
$531
$574
$519
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
224
Wisconsin
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Wisconsin
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$14.23
$740
$29,603
2.0
$69,223
$1,731
$20,767
$519
694,003
31%
$11.05
$574
1.3
$12.21
$635
$25,393
1.7
$61,358
$1,534
$18,407
$460
155,102
24%
$9.05
$471
1.3
Metropolitan Areas
Appleton MSA
$12.50
$650
$26,000
1.7
$73,600
$1,840
$22,080
$552
21,831
25%
$10.29
$535
1.2
Columbia County HMFA
$13.42
$698
$27,920
1.9
$70,000
$1,750
$21,000
$525
5,630
25%
$9.42
$490
1.4
Duluth MSA
$13.21
$687
$27,480
1.8
$62,300
$1,558
$18,690
$467
5,777
30%
$8.66
$450
1.5
Eau Claire MSA
$12.46
$648
$25,920
1.7
$64,500
$1,613
$19,350
$484
20,038
32%
$9.03
$469
1.4
Fond du Lac MSA
$12.71
$661
$26,440
1.8
$67,800
$1,695
$20,340
$509
11,121
27%
$9.49
$493
1.3
Green Bay HMFA
$13.15
$684
$27,360
1.8
$68,500
$1,713
$20,550
$514
33,905
32%
$11.44
$595
1.2
Iowa County HMFA
$13.37
$695
$27,800
1.8
$70,700
$1,768
$21,210
$530
2,155
22%
$9.24
$480
1.4
Janesville MSA
$13.81
$718
$28,720
1.9
$65,400
$1,635
$19,620
$491
16,593
27%
$9.24
$481
1.5
Kenosha County HMFA
$16.35
$850
$34,000
2.3
$72,100
$1,803
$21,630
$541
19,932
32%
$9.76
$508
1.7
La Crosse MSA
$12.56
$653
$26,120
1.7
$68,400
$1,710
$20,520
$513
15,440
34%
$9.48
$493
1.3
Madison HMFA
$16.35
$850
$34,000
2.3
$82,900
$2,073
$24,870
$622
74,466
38%
$11.73
$610
1.4
Milwaukee-Waukesha-West Allis MSA
$15.81
$822
$32,880
2.2
$73,200
$1,830
$21,960
$549
228,941
37%
$13.11
$682
1.2
Minneapolis-St. Paul-Bloomington MSA
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
10,509
23%
$7.84
$407
2.2
Oconto County HMFA
$11.23
$584
$23,360
1.5
$59,500
$1,488
$17,850
$446
2,969
18%
$6.40
$333
1.8
Oshkosh-Neenah MSA
$12.35
$642
$25,680
1.7
$62,000
$1,550
$18,600
$465
21,052
32%
$12.16
$632
1.0
Racine MSA
$13.94
$725
$29,000
1.9
$69,700
$1,743
$20,910
$523
22,713
30%
$10.60
$551
1.3
Sheboygan MSA
$12.19
$634
$25,360
1.7
$70,600
$1,765
$21,180
$530
12,918
28%
$11.34
$590
1.1
Wausau MSA
$12.21
$635
$25,400
1.7
$69,200
$1,730
$20,760
$519
12,911
24%
$10.66
$555
1.1
Adams County
$11.23
$584
$23,360
1.5
$48,100
$1,203
$14,430
$361
1,665
18%
$9.00
$468
1.2
Ashland County
$11.23
$584
$23,360
1.5
$47,200
$1,180
$14,160
$354
2,043
29%
$9.23
$480
1.2
Barron County
$11.81
$614
$24,560
1.6
$54,700
$1,368
$16,410
$410
5,033
26%
$8.32
$433
1.4
Bayfield County
$11.23
$584
$23,360
1.5
$57,400
$1,435
$17,220
$431
1,274
18%
$5.64
$293
2.0
Brown County
$13.15
$684
$27,360
1.8
$68,500
$1,713
$20,550
$514
32,388
33%
$11.54
$600
1.1
Buffalo County
$11.23
$584
$23,360
1.5
$60,700
$1,518
$18,210
$455
1,278
22%
$10.90
$567
1.0
Burnett County
$11.23
$584
$23,360
1.5
$52,000
$1,300
$15,600
$390
1,451
20%
$8.10
$421
1.4
Counties
225
Wisconsin
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Calumet County
$12.50
$650
$26,000
1.7
$73,600
$1,840
$22,080
$552
3,004
16%
$8.77
$456
1.4
Chippewa County
$12.46
$648
$25,920
1.7
$64,500
$1,613
$19,350
$484
6,239
26%
$8.45
$439
1.5
Clark County
$11.23
$584
$23,360
1.5
$55,000
$1,375
$16,500
$413
2,735
21%
$9.23
$480
1.2
Columbia County
$13.42
$698
$27,920
1.9
$70,000
$1,750
$21,000
$525
5,630
25%
$9.42
$490
1.4
Crawford County
$11.23
$584
$23,360
1.5
$52,800
$1,320
$15,840
$396
1,582
23%
$6.52
$339
1.7
Dane County
$16.35
$850
$34,000
2.3
$82,900
$2,073
$24,870
$622
74,466
38%
$11.73
$610
1.4
Dodge County
$13.60
$707
$28,280
1.9
$66,600
$1,665
$19,980
$500
8,862
26%
$10.84
$564
1.3
Door County
$12.44
$647
$25,880
1.7
$62,900
$1,573
$18,870
$472
3,069
22%
$8.25
$429
1.5
Douglas County
$13.21
$687
$27,480
1.8
$62,300
$1,558
$18,690
$467
5,777
30%
$8.66
$450
1.5
Dunn County
$12.02
$625
$25,000
1.7
$65,600
$1,640
$19,680
$492
4,542
29%
$9.19
$478
1.3
Eau Claire County
$12.46
$648
$25,920
1.7
$64,500
$1,613
$19,350
$484
13,799
35%
$9.25
$481
1.3
Florence County
$11.23
$584
$23,360
1.5
$49,600
$1,240
$14,880
$372
304
15%
$3.27
$170
3.4
Fond du Lac County
$12.71
$661
$26,440
1.8
$67,800
$1,695
$20,340
$509
11,121
27%
$9.49
$493
1.3
Forest County
$11.23
$584
$23,360
1.5
$45,700
$1,143
$13,710
$343
1,030
25%
$6.75
$351
1.7
Grant County
$11.23
$584
$23,360
1.5
$58,700
$1,468
$17,610
$440
4,851
25%
$7.87
$409
1.4
Green County
$12.71
$661
$26,440
1.8
$67,300
$1,683
$20,190
$505
3,269
22%
$9.59
$499
1.3
Green Lake County
$11.23
$584
$23,360
1.5
$64,300
$1,608
$19,290
$482
1,883
24%
$9.27
$482
1.2
Iowa County
$13.37
$695
$27,800
1.8
$70,700
$1,768
$21,210
$530
2,155
22%
$9.24
$480
1.4
Iron County
$11.23
$584
$23,360
1.5
$47,200
$1,180
$14,160
$354
722
24%
$5.29
$275
2.1
Jackson County
$11.58
$602
$24,080
1.6
$56,300
$1,408
$16,890
$422
2,106
25%
$9.36
$487
1.2
Jefferson County
$14.06
$731
$29,240
1.9
$70,900
$1,773
$21,270
$532
8,860
28%
$9.66
$502
1.5
Juneau County
$11.33
$589
$23,560
1.6
$56,200
$1,405
$16,860
$422
2,307
21%
$9.71
$505
1.2
Kenosha County
$16.35
$850
$34,000
2.3
$72,100
$1,803
$21,630
$541
19,932
32%
$9.76
$508
1.7
Kewaunee County
$13.15
$684
$27,360
1.8
$68,500
$1,713
$20,550
$514
1,517
18%
$9.25
$481
1.4
La Crosse County
$12.56
$653
$26,120
1.7
$68,400
$1,710
$20,520
$513
15,440
34%
$9.48
$493
1.3
Lafayette County
$11.23
$584
$23,360
1.5
$61,000
$1,525
$18,300
$458
1,359
21%
$7.35
$382
1.5
Langlade County
$11.23
$584
$23,360
1.5
$52,800
$1,320
$15,840
$396
1,713
19%
$6.72
$349
1.7
Lincoln County
$11.27
$586
$23,440
1.6
$62,400
$1,560
$18,720
$468
3,312
25%
$8.36
$435
1.3
Manitowoc County
$11.23
$584
$23,360
1.5
$65,700
$1,643
$19,710
$493
7,920
23%
$9.50
$494
1.2
Marathon County
$12.21
$635
$25,400
1.7
$69,200
$1,730
$20,760
$519
12,911
24%
$10.66
$555
1.1
Marinette County
$11.23
$584
$23,360
1.5
$53,100
$1,328
$15,930
$398
4,572
24%
$9.47
$492
1.2
226
Wisconsin
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Marquette County
$11.88
$618
$24,720
1.6
$55,300
$1,383
$16,590
$415
1,350
20%
Menominee County
$11.98
$623
$24,920
1.7
$44,500
$1,113
$13,350
$334
452
30%
Milwaukee County
$15.81
$822
$32,880
2.2
$73,200
$1,830
$21,960
$549
176,716
Monroe County
$11.50
$598
$23,920
1.6
$61,600
$1,540
$18,480
$462
4,800
Oconto County
$11.23
$584
$23,360
1.5
$59,500
$1,488
$17,850
$446
Oneida County
$12.50
$650
$26,000
1.7
$62,100
$1,553
$18,630
Outagamie County
$12.50
$650
$26,000
1.7
$73,600
$1,840
Ozaukee County
$15.81
$822
$32,880
2.2
$73,200
Pepin County
$11.23
$584
$23,360
1.5
Pierce County
$17.38
$904
$36,160
2.4
Polk County
$13.23
$688
$27,520
1.8
Portage County
$12.23
$636
$25,440
Price County
$11.23
$584
Racine County
$13.94
Richland County
Rock County
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$8.99
$467
1.3
47%
$14.40
$749
1.1
28%
$9.83
$511
1.2
2,969
18%
$6.40
$333
1.8
$466
3,881
22%
$8.78
$457
1.4
$22,080
$552
18,827
27%
$10.46
$544
1.2
$1,830
$21,960
$549
7,333
22%
$9.84
$512
1.6
$60,600
$1,515
$18,180
$455
736
24%
$8.25
$429
1.4
$83,900
$2,098
$25,170
$629
3,456
23%
$7.12
$370
2.4
$63,800
$1,595
$19,140
$479
3,277
18%
$8.46
$440
1.6
1.7
$69,800
$1,745
$20,940
$524
8,255
30%
$9.00
$468
1.4
$23,360
1.5
$56,700
$1,418
$17,010
$425
1,327
19%
$7.81
$406
1.4
$725
$29,000
1.9
$69,700
$1,743
$20,910
$523
22,713
30%
$10.60
$551
1.3
$11.23
$584
$23,360
1.5
$57,500
$1,438
$17,250
$431
1,905
25%
$9.35
$486
1.2
$13.81
$718
$28,720
1.9
$65,400
$1,635
$19,620
$491
16,593
27%
$9.24
$481
1.5
Rusk County
$11.23
$584
$23,360
1.5
$51,800
$1,295
$15,540
$389
1,589
24%
$8.58
$446
1.3
Sauk County
$13.92
$724
$28,960
1.9
$65,000
$1,625
$19,500
$488
6,915
27%
$8.75
$455
1.6
Sawyer County
$11.23
$584
$23,360
1.5
$51,000
$1,275
$15,300
$383
2,257
28%
$8.42
$438
1.3
Shawano County
$11.23
$584
$23,360
1.5
$56,700
$1,418
$17,010
$425
4,010
23%
$8.14
$423
1.4
Sheboygan County
$12.19
$634
$25,360
1.7
$70,600
$1,765
$21,180
$530
12,918
28%
$11.34
$590
1.1
St. Croix County
$17.38
$904
$36,160
2.4
$83,900
$2,098
$25,170
$629
7,053
22%
$8.02
$417
2.2
Taylor County
$11.40
$593
$23,720
1.6
$57,900
$1,448
$17,370
$434
1,852
21%
$8.34
$434
1.4
Trempealeau County
$11.23
$584
$23,360
1.5
$61,200
$1,530
$18,360
$459
2,809
24%
$9.09
$473
1.2
Vernon County
$11.23
$584
$23,360
1.5
$55,800
$1,395
$16,740
$419
2,505
21%
$8.82
$458
1.3
Vilas County
$11.29
$587
$23,480
1.6
$57,300
$1,433
$17,190
$430
2,175
21%
$7.87
$409
1.4
Walworth County
$14.90
$775
$31,000
2.1
$73,100
$1,828
$21,930
$548
11,239
29%
$8.55
$445
1.7
Washburn County
$11.88
$618
$24,720
1.6
$54,000
$1,350
$16,200
$405
1,301
18%
$6.98
$363
1.7
Washington County
$15.81
$822
$32,880
2.2
$73,200
$1,830
$21,960
$549
11,222
22%
$10.45
$543
1.5
Waukesha County
$15.81
$822
$32,880
2.2
$73,200
$1,830
$21,960
$549
33,670
22%
$11.63
$605
1.4
Waupaca County
$12.21
$635
$25,400
1.7
$62,400
$1,560
$18,720
$468
5,295
25%
$9.52
$495
1.3
227
Wisconsin
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
Waushara County
$11.69
$608
$24,320
1.6
$53,300
$1,333
$15,990
$400
1,870
18%
$7.35
$382
1.6
Winnebago County
$12.35
$642
$25,680
1.7
$62,000
$1,550
$18,600
$465
21,052
32%
$12.16
$632
1.0
Wood County
$11.23
$584
$23,360
1.5
$62,600
$1,565
$18,780
$470
7,560
24%
$10.68
$555
1.1
228
Wyoming
In Wyoming, the Fair Market Rent (FMR) for a two-bedroom apartment is $646. In order to afford this level of rent
Wage of:
$12.42
In Wyoming, a minimum wage worker earns an hourly wage of $7.25. In order to afford the FMR for a two-bedroom
In Wyoming, the estimated mean (average) wage for a renter is $13.60. In order to afford the FMR for a two-bedroom
FMR affordable.
Gap between Rent
Affordable and
FMR
$646
Two-Bedroom FMR
$1,715
-$61
$132
Minimum Wage Earner
$269
SSI Recipient
$437
$707
$514
$377
Minimum Wage Earner

SSI Recipient
$209
$0
$500
$1,000
$1,500
$2,000
229
Wyoming
FY12 HOUSING WAGE

Hourly wage
necessary to
afford 2 BR
FMR
Wyoming
HOUSING COSTS
Full-time jobs
wage needed to
bedroom
to afford
afford 2 BR FMR
FMR 1
2 BR FMR
Annual
2
AMI
Rent
affordable
at AMI 3
30%
4
of AMI
Rent
affordable
at 30%
of AMI
RENTER HOUSEHOLDS
% of total
Number
households
(2006-2010) (2006-2010)
Estimated
Rent
hourly wage at mean
wage
(2012)
Full-time jobs
at mean renter
wage needed to
afford 2 BR FMR
$12.42
$646
$25,828
1.7
$68,595
$1,715
$20,579
$514
64,882
30%
$13.60
$707
0.9
$12.59
$654
$26,177
1.7
$69,468
$1,737
$20,840
$521
45,028
30%
$14.39
$748
0.9
Casper MSA
$11.60
$603
$24,120
1.6
$67,000
$1,675
$20,100
$503
8,753
30%
$13.03
$677
0.9
Cheyenne MSA
$12.38
$644
$25,760
1.7
$66,200
$1,655
$19,860
$497
11,101
31%
$10.38
$540
1.2
Albany County
$12.35
$642
$25,680
1.7
$72,100
$1,803
$21,630
$541
6,786
47%
$8.05
$419
1.5
Big Horn County
$11.23
$584
$23,360
1.5
$57,200
$1,430
$17,160
$429
1,029
23%
$10.26
$533
1.1
Campbell County
$13.50
$702
$28,080
1.9
$88,000
$2,200
$26,400
$660
3,898
24%
$17.70
$921
0.8
Carbon County
$11.23
$584
$23,360
1.5
$64,300
$1,608
$19,290
$482
1,781
29%
$16.02
$833
0.7
Converse County
$11.23
$584
$23,360
1.5
$70,800
$1,770
$21,240
$531
1,581
28%
$12.14
$631
0.9
Crook County
$11.23
$584
$23,360
1.5
$55,100
$1,378
$16,530
$413
679
25%
$12.96
$674
0.9
Fremont County
$11.58
$602
$24,080
1.6
$57,600
$1,440
$17,280
$432
4,313
28%
$11.78
$613
1.0
Goshen County
$11.23
$584
$23,360
1.5
$56,000
$1,400
$16,800
$420
1,540
29%
$9.49
$493
1.2
Hot Springs County
$11.23
$584
$23,360
1.5
$57,000
$1,425
$17,100
$428
791
36%
$8.58
$446
1.3
Johnson County
$11.23
$584
$23,360
1.5
$60,200
$1,505
$18,060
$452
1,006
27%
$11.40
$593
1.0
Laramie County
$12.38
$644
$25,760
1.7
$66,200
$1,655
$19,860
$497
11,101
31%
$10.38
$540
1.2
Lincoln County
$12.48
$649
$25,960
1.7
$67,800
$1,695
$20,340
$509
1,503
23%
$15.59
$811
0.8
Natrona County
$11.60
$603
$24,120
1.6
$67,000
$1,675
$20,100
$503
8,753
30%
$13.03
$677
0.9
Niobrara County
$11.23
$584
$23,360
1.5
$61,800
$1,545
$18,540
$464
340
36%
Park County
$11.92
$620
$24,800
1.6
$58,900
$1,473
$17,670
$442
3,671
31%
$11.84
$616
1.0
Platte County
$11.23
$584
$23,360
1.5
$54,900
$1,373
$16,470
$412
840
22%
$11.41
$594
1.0
Sheridan County
$12.27
$638
$25,520
1.7
$63,200
$1,580
$18,960
$474
3,602
30%
$11.01
$573
1.1
Sublette County
$17.08
$888
$35,520
2.4
$89,000
$2,225
$26,700
$668
832
26%
$23.75
$1,235
0.7
Sweetwater County
$14.42
$750
$30,000
2.0
$79,500
$1,988
$23,850
$596
4,319
26%
$20.06
$1,043
0.7
Teton County
$16.79
$873
$34,920
2.3
$96,200
$2,405
$28,860
$722
2,928
39%
$14.21
$739
1.2
Uinta County
$11.23
$584
$23,360
1.5
$68,900
$1,723
$20,670
$517
1,914
26%
$10.73
$558
1.0
Washakie County
$11.23
$584
$23,360
1.5
$63,100
$1,578
$18,930
$473
990
29%
$13.57
$706
0.8
Weston County
$11.23
$584
$23,360
1.5
$61,200
$1,530
$18,360
$459
685
22%
$11.07
$575
1.0
Metropolitan Areas
Counties
230
APPENDIX A:
Data Notes, Methodologies and Sources
Appendix A describes the data and methodological underpinnings
of Out of Reach. Following a description of each subject, a link to the
primary data source is provided. In some instances, supplementary
material is also cited. Information on how to calculate and interpret
the data can be found in the sections Where the Numbers Come
From (page 6) and How to Use the Numbers (page 7).
FAIR MARKET RENT AREA DEFINITIONS

Each year, HUD determines Fair Market Rents (FMRs) for metropolitan and rural housing
markets across the country. In metropolitan areas, HUD tries to use the most current
Office of Management and Budget (OMB) metropolitan area definitions to define housing
market boundaries for its FMR areas. Since FMR areas are meant to reflect cohesive
housing markets, simply adopting the OMB definitions for administrative purposes is
not always preferable. Also, significant changes to area definitions can affect current
recipients. Thus, in keeping with guidance to all federal agencies from OMB, HUD
modifies the boundaries in some instances for purposes of program administration.
Reacting to OMBs sweeping post-Census overhaul of metropolitan area definitions in
2003, HUD developed FMR areas in 2005 that incorporated these new definitions, but
modified them if a county (or town) to be added to an FMR area under those definitions
had 2000 rents or incomes that deviated more than 5% from the newly defined
metropolitan area.1 HUD (and Out of Reach) refers to unmodified OMB-defined areas
as Metropolitan Statistical Areas (MSAs) and modified areas as HUD Metro FMR Areas
(HMFAs).
FY12 FMR areas incorporate the most recent (December 2009) OMB update of
metropolitan area definitions. There have been no definition changes published by OMB
since FY11, so the FY12 area definitions remain the same as the prior year.
In cases in which an FMR area crosses state lines, this report provides an entry for the
area under both states. While the Housing Wage, FMR, and Area Median Income (AMI)
values apply to the entire FMR area and will be the same in both states, other data such
as the number of renter households and the minimum and renter wages apply only to the
portion of the FMR area within that states borders.
1
FAIR MARKET RENTS

Prior to FY12, data from Census 2000 provided the foundation for HUDs calculation
of FMRs. For most areas, data on rent levels from the ACS were compared to Census
2000 data, and an update factor was calculated to project Census 2000 base rents to an
intermediate rent estimate.
From FY05 until FY07, FMRs were updated from year to year based on either the
Consumer Price Index (CPI) or periodic Random Digit Dialing (RDD) surveys. Since FY08,
however, information from the American Community Survey (ACS) an annual survey
conducted by the U.S. Census Bureau that replaced the long form of the decennial
census in 2010 has provided more recent and more localized data on rental cost trends.
The methodological shift in calculating FMRs from a reliance on CPI inflation factors
and RDDs to the utilization of ACS data is widely seen as an improvement and is
expected to produce better estimates of local rents.
For FY12, HUD fully completed a transition to using the American Community Survey
(ACS) as the baseline for calculating FMRs, instead of relying on the decennial census.
With the release of the 2005-2009 five-year ACS data, updated data are available for all
FMR areas, including areas with populations of less than 20,000, for the first time since
the 2000 Decennial Census.
As it is not possible to easily identify recent movers in the five-year ACS data, base rents
are determined using the standard quality two-bedroom gross rent estimates from the
five-year ACS data, expressed as a 2009 figure. Then, a recent mover adjustment factor is
applied to the base rents. Local area rent survey results are used as base rents when the
survey results indicate rents that are statistically different from the ACS-based rents. In
the development of the FY12 FMRs, local area rent surveys conducted in 2010 were used
for the Williamsport, PA and Pike County, PA HMFAs.
The rent estimates determined using ACS data are trended through 2010 using local or
regional CPI data and then increased at an annual rate of 3% for 15 months to project
FMRs to April 2012.
While the Out of Reach printed book highlights the two-bedroom FMR, the online
version of the report includes a broader data set covering the zero- to four-bedroom
FMRs. The focus on the two-bedroom FMRs reflects HUD methodology. HUD finds that
See Appendices A and B in Out of Reach 2006 for additional information on HUDs methodologies and their effects on FMR area definitions.
231
the two-bedroom rental units are most common and the most reliable to survey, so the
two-bedroom units are utilized as the primary FMR estimate. The two-bedroom FMR
estimates are then used to calculate and set FMRs for units of other sizes.
Prior editions of Out of Reach compared an areas FMR with its Census 2000 base rent.
This made it possible to calculate the percentage increase in FMRs over the last eleven
years. Due to the shift in the methodology used to develop the FY12 FMRs, FMRs are not
comparable between FY12 and prior years.

On December 1, 2011, HUD published its FY12 AMIs, used in this edition of Out of Reach.
HUD calculates the AMI for families at the metropolitan level for more urbanized areas
and at the county level for nonmetropolitan areas. The Census definition of family is
two or more persons related by blood, marriage or adoption residing together. This family
AMI value relates to the universe of all families and is not intended to apply to a specific
family size.
HUD provides an online tool that illustrates the rationale behind each FMR area
definition and the calculation of each FMR. HUD also publishes PDF and Excel files that
list the counties and towns included in each area and their FY12 FMRs. These resources
are available at www.huduser.org/datasets/fmr.html.
In 2011, HUD updated the methodology used to calculate family AMIs due to the
availability of new five-year ACS data. That year, HUD discontinued use of Census 2000
data in the production of FY11 AMIs.
Appendix B contains excerpts from HUDs Notice of Final Fair Market Rents and includes
a link to the full document.
The five-year (2005-2009) ACS data, which are available for nearly all areas of geography,
are used to calculate the FY12 AMIs. Because new five-year ACS data had not been
released in time for the December 1, 2011 AMI release date, HUD used the same five-year
(2005-2009) ACS data as FY11 for the basis in the development of the FY12 MFIs.
40TH AND 50TH PERCENTILE FMR DESIGNATION

According to interim rule (65 FR 58870) published in 2000, HUD is required to set FMRs
at the 50th percentile rent, rather than the 40th percentile, in large metropolitan areas
with concentrated poverty. This rule was established to expand rental opportunities by
making units in more expensive areas affordable to Housing Choice Voucher holders.
Once designated, the FMR area retains its 50th percentile rent for three years, at which
time HUD reviews it for continuing eligibility.
In FY11, 18 areas were designated as 50th percentile FMRs, and 11 of these areas will
maintain their 50th percentile designation for FY12. Ten additional areas have now been
designated as 50th percentile FMRs as of October 1, 2011. These FMR areas include 9
areas that failed to deconcentrate when evaluated for the FY09 FMRs but are now eligible
for 50th percentile status again. One new area, Sacramento-Arden-Arcade-Roseville, CA
HMFA, is participating for the first time.
An asterisk (*) is used to denote the 21 50th percentile areas in Out of Reach.
The last page in this appendix lists which FMR areas are currently eligible for the 50th
percentile rent.
NATIONAL, STATE AND NONMETRO FAIR MARKET RENTS

HUD calculates FMRs for metropolitan areas and nonmetro counties, but not for states,
combined nonmetro areas, or the nation. The FMRs for these larger geographies provided
in Out of Reach are calculated by NLIHC and reflect the weighted average FMR for the
counties included in the larger geography. The weight used for FMRs is the number of
renter households within each county from the American Community Survey (20062010), released in December 2011.
In select cases where the one-year 2009 ACS is available, HUD uses the one-year data if
the resulting estimate is significantly different from the five-year AMI. The 2009 AMI
estimates are trended from 2009 to midpoint of 2012 using a factor of 3%.
Based on the incomes provided by HUD and applying the assumption that no more than
30% of income should be spent on housing costs (see below), Out of Reach calculates
the maximum affordable rent for households earning the median income and 30% of
the median (extremely low income). These calculations are presented in this book, and
calculations corresponding to 50% and 80% of AMI are included in the online publication.
It is important to note that these are straight percentages and do not include adjustments
HUD uses in calculating its income limits for federal housing programs.
The median incomes for states, combined nonmetropolitan areas and the nation reported
in Out of Reach reflect the average of local AMI data weighted by the total number of
households provided by the five-year ACS (2006-2010).
A comprehensive list of the counties and towns included in FY12 income limit calculations
can be found at http://bit.ly/zmWLvJ (PDF).
The methodology for calculating median family income estimates and a discussion of
HUDs adjustments to subsequent income limits are provided in FY 2012 HUD Income
Limits Briefing Material, available at http://bit.ly/w2ARkS (PDF).
232
AFFORDABILITY
AVERAGE RENTER WAGE
Out of Reach is consistent with federal housing policy in the assumption that no more
than 30% of a households gross income should be consumed by gross housing costs.
Spending more than 30% of income on housing is considered unaffordable.2
Recognizing that the minimum wage reflects the earnings of only the lowest income
workers, Out of Reach also calculates an estimated mean renter hourly wage. This measure
reflects the compensation that a typical renter is likely to receive for an hour of work
by dividing average weekly earnings by 40 hours, thus assuming a full-time workweek.
Earnings include several non-wage forms of compensation like paid leave, bonuses, tips,
and stock options.4
Although Out of Reach explicitly addresses affordability in the rental housing market,
housing affordability problems are not unique to renters. The State of the Nations Housing:
2011, published by Harvard Universitys Joint Center for Housing Studies (www.jchs.
harvard.edu/publications/markets/son2011.htm) includes an analysis of the affordability
problems faced by homeowners.
PREVAILING MINIMUM WAGE

The federal minimum wage on January 1, 2012, was $7.25 per hour; this wage was
effective as of July, 2009. Out of Reach incorporates the federal minimum wage in effect at
the time of publication.
According to data from the U.S. Department of Labor, the District of Columbia and 18
states had implemented a state minimum wage higher than $7.25 by January 1, 2012. In
place of the lower federal rate, Out of Reach incorporates the prevailing minimum wage
in these states. Some local municipalities have a minimum wage that is higher than the
federal rate, but this local rate is not incorporated into Out of Reach data.
Among the statistics included in Out of Reach are the number of hours and subsequent
full-time jobs a minimum wage earner must work to afford the FMR. If the reader would
like to calculate the same statistics using a different wage such as a higher local minimum
wage, a simple formula can be used for the conversion:
[hours or jobs at the published wage] *
[published wage] / [alternative wage]
For example, one would have to work 131 hours per week to afford the zero-bedroom
FMR in San Francisco if the minimum wage in that location was equivalent to the national
rate of $7.25. However, the same FMR would be affordable in 93 hours under the higher
local minimum wage of $10.243 (131 * $7.25 / $10.24). For further guidance, see Where
the Numbers Come From (page 6) or contact NLIHC research staff.
The Department of Labor (www.dol.gov/whd/minwage/america.htm) provides further
information on state minimum wage laws.
The estimated mean renter hourly wage is based on the average weekly earnings of private
(non-governmental) employees working in each county.5 Renter wage information is
based on 2010 data reported by the BLS in the Quarterly Census of Employment and
Wages. For each county, mean hourly earnings are multiplied by the ratio of median
renter income to median total household income in the American Community Survey
(2006-2010) to arrive at an estimated average renter wage. In 23 cases, this results in an
upward adjustment, but in all others it leads to a downward adjustment.
In roughly 14% of counties, this downward adjustment to reflect the lower income of
renters results in an hourly wage that is below the federal minimum wage. One likely
explanation is that workers in these counties average fewer than 40 hours per week,
but the mean renter wage calculation assumes weekly compensation is the product of
a full-time workweek. For example, mistakenly assuming earnings from 20 hours of
work were the product of a full-time workweek would underestimate the actual hourly
wage by half, but it would also accurately reflect the true earnings of renters under the
assumption of a full-time schedule (see next section). As it was last year, the estimated
mean renter hourly wage reported in Out of Reach has been adjusted to the same as of
date assigned to FMRs and AMIs by HUD (April 1, 2012, for this fiscal year) and uses the
same methodology that HUD uses to project its income estimates. Because annual average
values calculated from BLS data might be considered as of July 1 for the calendar year
for which they are reported, the data are projected to year-end 2010 using a national
inflation factor. An annual rate of 3% is then used to grow renter wages for five quarters
to April 1, 2012.6
Wage data from the Quarterly Census of Employment and Wages are available through
the Bureau of Labor Statistics at www.bls.gov/cew/home.htm.
WORKING HOURS
Calculations of the Housing Wage and of the number of jobs required at the minimum
wage or mean renter wage to afford the FMR assume that an individual works 40 hours
per week, 52 weeks each year, for a total of 2,080 hours per year. Seasonal employment,
unpaid sick leave, temporary lay-offs, and job changes as well as vacations prevent many
individuals from maximizing their earnings throughout the year. According to Current
Employment Statistics data from January 2012, the average wage earner in the U.S.
worked 34.5 hours per week.7 And in related research, NLIHC finds that 29% of renter
The Housing and Urban-Rural Recovery Act of 1983 made the 30% rule of thumb applicable to all current rental housing assistance programs. See Pelletiere, D. (2008). Getting to the heart of housings fundamental question: How much can a family afford? Washington, D.C.: National Low Income Housing Coalition.
$10.24 is the 2012 local minimum wage in San Francisco. www.sfgsa.org/index.aspx?page=411
Please note this measure is different from the Estimated Renter Median Household Income (provided online), which reflects an estimate of what renter households are earning today and includes income not earned in relation to employment.
5
Renter wage data for 30 counties are not provided in Out of Reach either because the BLS could not disclose the data for confidentiality reasons or because the number of employees working in the county was insufficient to estimate a reliable wage.
6
Following HUDs methodology for developing FY12 AMIs, a 3% growth rate was used to trend average renter wages from year-end 2010 to April 1, 2012.
7
Bureau of Labor Statistics. (2012). The employment situation: January 2012. Washington, D.C.: U.S. Department of Labor.
3
4
233
households that earn wage or salary income do not work as many as 40 hours per week,
on average.9
These statistics should remind the reader that not all employees have the opportunity to
translate an hourly wage into full-time, year-round employment. For these households,
the Housing Wage underestimates the actual hourly compensation that a worker must
earn to afford the FMR. Conversely, some households include multiple wage earners or
single individuals that average more than 40 hours per week at work. For these, a home
renting at the FMR would be affordable even if each worker earned less than the areas
stated Housing Wage, as long as their combined wages exceed the Housing Wage.
For an expanded report on hours and earnings as reported by the Bureau of Labor
Statistics, see The Employment Situation: December 2011 at www.bls.gov/news.release/
empsit.nr0.htm
SUPPLEMENTAL SECURITY INCOME (SSI)

Out of Reach compares rental housing costs with the rents affordable to individuals
receiving Supplemental Security Income (SSI) payments. The numbers in Out of Reach
are based on the maximum federal SSI payment for individuals in 2012, which is $698
per month. Out of Reach calculations include supplemental payments that benefit all
individual SSI recipients in the following six states because the payments are centrally
administered by the Social Security Administration (SSA): California, Massachusetts,
Nevada, New Jersey, New York, and Vermont.
Supplemental payments provided by an additional 39 states are excluded from Out
of Reach calculations. For some, these payments are administered by the SSA but are
available only to populations with specific disabilities, in specific facilities, or in specific
household settings. For the vast majority, however, the supplements are administered
directly by the states, so the data are not readily available. The only six states that do
not supplement federal SSI payments are Arkansas, Arizona, North Dakota, Mississippi,
Tennessee, and West Virginia. Residents of Puerto Rico cannot receive federal SSI
payments.
Since SSI payments are set at the state level, the published version of Out of Reach
calculates the difference between each states average two-bedroom FMR and the rent
that is affordable for SSI recipients. Readers can calculate this gap for any geography by
subtracting the rent affordable to an SSI recipient from the areas FMR.
Information on SSI payments is available through the Social Security Administration at
www.ssa.gov/oact/cola/SSIamts.html. Information on state supplements can be found at
www.ssa.gov/pubs/statessi.html
The Technical Assistance Collaborative, Inc., publishes a biennial report comparing Fair
Market Rents with the incomes of SSI recipients. Recent editions of Priced Out can be
found at www.tacinc.org/resources/data/pricedout.
9
ADDITIONAL DATA AVAILABLE ONLINE

Data available in the print version of Out of Reach are limited in an effort to present the
most important information clearly. Additional data can be found online at www.nlihc.
org/oor/2012.
The Out of Reach methodology was developed by Cushing N. Dolbeare, founder of the
National Low Income Housing Coalition.
ELIGIBILITY FOR 50TH PERCENTILE FAIR MARKET RENT

In FY12, Fair Market Rents (FMRs) were set at the 50th percentile rent in 21 FMR
areas where voucher tenants were concentrated in high-poverty areas. Compared with
the typical 40th percentile rent, this higher voucher payment standard would provide
tenants with housing options in less-impoverished areas. Eleven of these FMR areas
were also designated as 50th percentile rent for FY11. Additionally, nine areas failed to
deconcentrate when evaluated for FY09, but are now reinstated as 50th percentile FMRs.
Lastly, one newly qualified area, the Sacramento-Arden-Arcade-Roseville HMFA, was
found to qualify for the 50th percentile designation effective October 1, 2011.
REMAIN ELIGIBLE FOR FY12 50TH PERCENTILE FMR

Baltimore-Towson, MD MSA
Bergen-Passaic, NJ HMFA
Fort Lauderdale, FL HMFA
Grand Rapids-Wyoming, MI HMFA
Hartford-West Hartford-East Hartford, CT HMFA
Houston-Baytown-Sugar Land, TX HMFA
New Haven-Meriden, CT HMFA
North Port-Bradenton-Sarasota, FL MSA
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA
Washington-Arlington-Alexandria, DC-VA-MD HMFA
West Palm Beach-Boca Raton, FL HMFA
NEW AREAS ELIGIBLE FOR 50TH PERCENTILE FMR IN FY12

Austin-Round Rock-San Marcos, TX MSA
Fort Worth-Arlington, TX HMFA
Honolulu, HI MSA
Las Vegas-Paradise, NV MSA
Orange County, CA HMFA
Phoenix-Mesa-Glendale, AZ MSA
Riverside-San Bernardino-Ontario, CA HMFA
Sacramento-Arden-Arcade-Roseville, CA HMFA
Tucson, AZ MSA
Virginia Beach-Norfolk-Newport News VA-NC MSA
Wardrip, K. & Pelletiere, D. (2007).
234
APPENDIX B:
Explanation of Fair Market Rent
Excerpts from Notice of Final Fair Market Rents for Fiscal Year
2012. Full document available at http://bit.ly/xoSioC (PDF).
changes, based on the most recent available data trended so the rentals will be current for
the year to which they apply, of rents for existing or newly constructed rental dwelling
units, as the case may be, of various sizes and types in the market area.
Department of Housing and Urban Development

[Docket No. FR5567N02]
HUDs regulations at 24 CFR part 888 provide that HUD will develop proposed FMRs,
publish them for public comment, provide a public comment period of at least 30 days,
consider public comments that contain statistically valid rental housing survey data that
justify the requested change, and publish final FMRs. (See 24 CFR 888.115.) For FY 2012
FMRs, HUD has considered all comments submitted in response to its August 19, 2011
(76 FR 52058) proposed FY 2012 FMRs and has posted the comments and its responses
at www.huduser.org/portal/datasets/fmr.html. HUD will, however, continue to analyze
data provided by these public comments to determine whether changes are justified. HUD
will publish any changes in the Federal Register.
FINAL FAIR MARKET RENTS FOR FISCAL YEAR 2012 FOR THE
HOUSING CHOICE VOUCHER PROGRAM AND MODERATE
REHABILITATION SINGLE ROOM OCCUPANCY PROGRAM
AGENCY: Office of the Assistant Secretary for Policy Development and Research, HUD
ACTION: Notice of Final Fair Market Rents (FMRs) for Fiscal Year (FY) 2012.
I. BACKGROUND
Section 8 of the USHA (42 U.S.C. 1437f) authorizes housing assistance to aid
lower-income families in renting safe and decent housing. Housing assistance payments
are limited by FMRs established by HUD for different geographic areas. In the HCV
program, the FMR is the basis for determining the payment standard amount used to
calculate the maximum monthly subsidy for an assisted family (see 24 CFR 982.503). In
general, the FMR for an area is the amount that would be needed to pay the gross rent
(shelter rent plus utilities) of privately owned, decent, and safe rental housing of a modest
(non-luxury) nature with suitable amenities. In addition, all rents subsidized under
the HCV program must meet reasonable rent standards. HUDs regulations at 24 CFR
888.113 permit it to establish 50th percentile FMRs for certain areas.
II. PROCEDURES FOR THE DEVELOPMENT OF FMRs

Section 8(c) of the USHA requires the Secretary of HUD to publish FMRs periodically, but
not less frequently than annually. Section 8(c) states in part, as follows:
Proposed fair market rentals for an area shall be published in the Federal Register
with reasonable time for public comment and shall become effective upon the date of
publication in final form in the Federal Register. Each fair market rental in effect under
this subsection shall be adjusted to be effective on October 1 of each year to reflect
1
2
In addition, HUDs regulations at 24 CFR 888.113 set out procedures for HUD to assess
whether areas are eligible for FMRs at the 50th percentile. Minimally qualified areas1 are
reviewed each year unless not qualified to be reviewed. Areas that currently have 50th
percentile FMRs are evaluated for progress in voucher tenant deconcentration after three
years in the program. Continued eligibility is determined using HUD administrative
data that show levels of voucher tenant concentration. The levels of voucher holder
concentration must be above 25 percent and show a decrease in concentration since the
last evaluation. At least 85 percent of the voucher units in the area must be used to make
this determination. Areas are not qualified to be reviewed if they have been made a 50th
percentile area within the last three years or have lost 50th percentile status for failure to
de-concentrate within the last three years.
In FY 2011 there were 18 areas using 50th percentile FMRs. Of these 18 areas, 11 areas
were allowed to continue as 50th percentile FMR areas, as listed below. There are 10
additional 50th percentile FMR areas, one that is new to the program, Sacramento-ArdenArcade-Roseville, CA HMFA.2 The other 9 areas failed to deconcentrate when evaluated for
the FY 2009 FMRs, but are reinstated as 50th percentile FMRs. In summary, there are 21
50th percentile FMR areas in FY 2012. These areas are indicated by an asterisk in Schedule
B, where all FMRs are listed by state. [See the last page of Appendix A for information on 50th
percentile areas.]
As defined in 24 CFR 888.113(c), a minimally qualified area is an area with at least 100 census tract where 70 percent or fewer of the census tracts with at least 10 two-bedroom rental units are census tracts in which at least 30 percent of the two-bedroom rental units have gross rents at or below the two-bedroom FMR set at the 40th
percentile rent. This is evaluated with 2000 Census tract data,while we are awaiting 2010 ACS data to be aggregated using 2010 Census tract definitions.
HMFA is an acronym representing HUD Metropolitan FMR Area.
235
III. PROPOSED FY 2012 FMRs

On August 19, 2011 (76 FR 52058), HUD published proposed FY 2012 FMRs with a
comment period that ended September 19, 2011. Among the comments HUD received
were several that questioned the FY 2012 FMRs for their respective market areas.
HUD has considered all public comments received and has posted its response to these
comments on its website at www.huduser.org/portal/datasets/fmr.html. HUD will
continue to review data provided by the comments and will publish any revisions to the
FY 2012 FMRs resulting from data submissions in a forthcoming Federal Register notice.
IV. FMR METHODOLOGY

The FY 2012 FMRs are based on current OMB metropolitan area definitions and
standards that were first used in the FY 2006 FMRs. OMB changes to the metropolitan
area definitions through December 2009 are incorporated. There have been no area
definition changes published by OMB since the publication of the FY 2011 FMRs;
therefore, the FY 2012 area definitions are the same as those used in FY 2011.
A. Base Year Rents

The U.S. Census Bureau released standard tabulations of five-year ACS data collected
between 2005 through 2009 in December of 2010. This is the first time that updated
data are available for all FMR areas and their component geographies since the release of
the 2000 Decennial Census data (previous ACS releases only covered areas with 20,000
or more in population). Because of this new data availability, HUD has the ability to
estimate new base rents using the five-year ACS data.
FMRs are typically based on gross rents for recent movers (those who have moved
into their current residence in the last 15 to 24 months). FMRs prior to FY 2012 were
calculated from recent-mover gross rent estimates from the 2000 Census or from
more current HUD-commissioned or PHA-commissioned rent surveys. However, due
to the way the five-year data are constructed, recent-mover survey responses are not
well defined. The five-year data are an aggregation of all survey data collected between
January 2005 and December 2009 in a given area. Dollar values such as gross rents
are transformed from the time period in which they were collected to an overall 2009
value using the national CPI. Attempting to limit the five-year data to those who have
moved in the last 24 months severely limits the usefulness of the five-year data because
this limitation automatically disqualifies at least 40 percent of the survey observations
used in the five-year estimates. Consequently, all areas are assigned as a base rent the
estimated two-bedroom standard-quality five-year gross rent from the ACS.3 Because
HUDs regulations mandate that FMRs must be published as recent-mover gross rents,
HUD has created a recent-mover adjustment factor to apply to the standard-quality base
rents assigned from the five-year ACS data.
Local area rent surveys conducted in 2010 by HUD or PHAs are used as base rents when
the survey results are statistically different from the ACS-based rents. The surveys for
Williamsport, PA, MSA and Pike County, HMFA were evaluated and are being used in
place of the 2009 ACS data. A survey conducted in 2010 for the county group, BradfordSullivan-Tioga, PA, was also evaluated, but there was no statistical difference from the
2009 ACS data, updated to 2010.
B. Recent Mover Adjustment Factor

Following the assignment of the standard-quality two-bedroom rent described above,
HUD applies a recent mover adjustment factor to these rents. The following describes the
process for determining the appropriate recent-mover adjustment factor.
For non-metropolitan areas, HUD calculated the percentage change between the fiveyear standard-quality rent for the non-metropolitan portion of the state and the oneyear recent-mover rent for the same area.4 HUD then computes a z-score to determine if
the five-year standard-quality rent and the one-year recent-mover rent are statistically
different.5 If the two rents have a statistically significant difference, the recent-mover
adjustment factor is set at the difference between the state non-metropolitan oneyear recent-mover rent and the state non-metropolitan five-year standard-quality rent
expressed as a percentage of the state non-metropolitan five-year standard-quality rent.
If the two rents are not statistically different, the recent-mover adjustment factor is set
to 1.0.
For metropolitan areas, the recent-mover adjustment factor is calculated in a similar
fashion. HUD selects the smallest geographic area which encompasses the metropolitan
area in question that has at least 100 recent mover observations to use in the calculation
of the recent-mover adjustment factor. For HUD-defined subareas of OMB defined
metropolitan areas, this means that the recent-mover adjustment factor may be based
on the recent-mover data for the subarea, the entire metropolitan area, the metropolitan
portions of the state, or finally the entire state depending on which geographic level has
100 or more recent mover observations.6 Once the area with 100 or more recent mover
cases has been determined, HUD calculates a z-score comparing the one-year recentmover two-bedroom gross rent with the five-year standard-quality two-bedroom gross
rent for the recent-mover area. If the two rents are statistically different, HUD sets the
recent-mover adjustment factor for the FMR area as the percentage change between the
two rents for the recent-mover area. If the difference in rents is not statistically different,
the recent-mover adjustment factor for the FMR area is set to 1.
For FMR areas without 100 recent-mover rents, a recent-mover adjustment factor is
calculated at the smallest area level that does have 100 recent movers. For metropolitan
areas, this order is subarea, metropolitan area, state metropolitan area, and state.
For nonmetropolitan areas, the smallest area level is the state nonmetropolitan area,
followed by the entire state. For an example of how the recent-mover adjustment factor
is calculated for these areas, please review this methodology for Abilene, TX MSA and
Baldwin County, AL, in the FY 2012 documentation system at http://bit.ly/y29P0c
For areas with a two-bedroom standard quality gross rent from the ACS that have a margin of error greater than the estimate or no estimate due to inadequate sample in the 2009 five-year ACS, HUD uses the two-bedroom state non-metro rent for non-metro areas.
HUD ensures that the recent mover estimate for each non-metropolitan portion of the state has at least 100 ACS sample observations. If any state non-metropolitan recent mover rent is based on fewer than 100 observations, the recent mover factor would be calculated based on the one-year recent mover data and five-year standard
quality data for the entire state.
5
The change is considered statistically significant if Z is greater than 1.645 where Z is equal to the change between the estimate for the one-year data and the five-year estimate, over the square root of the sum of the squared standard error for the one-year estimate and the squared standard error of the five-year estimate.
6
For metropolitan areas that cross state boundaries, and where there are not 100 two-bedroom recent mover observations, HUD uses the weighted average update factors for the encompassing state metropolitan areas. HUD performs the Z-score test for statistical difference between the one-year recent-mover rent and five-year
standard-quality rent separately for each state metropolitan part prior to computing the weighted average update factor.
4
236
(PDF). This process produces an as of 2009 recent mover two-bedroom base gross rent
for the FMR area.7
C. Updates from 2009 to 2010

The ACS data are updated through 2009 using the one-half of the change in annual CPI
measured between 2008 and 2009. This data are further updated through the end of
2010 using the annual change in CPI from 2009 to 2010. As in previous years, HUD uses
Local CPI data for FMR areas with at least 75 percent of their population within Class A
metropolitan areas covered by local CPI data. HUD uses Census region CPI data for FMR
areas in Class B and C size metropolitan areas and nonmetropolitan areas without local
CPI update factors.
D. Trend from 2010 to 2012

The national 1990 to 2000 average annual rent increase trend of 3 percent is applied to
end-of-2010 rents for 15 months, to derive the proposed FY 2012 FMRs with a date of
April 2012.
On March 9, 2011 (76 FR 12985), HUD published a notice requesting public comment
regarding the manner in which it calculates the trend factor used in determining FMR
estimates to meet the statutory requirement that FMRs be trended so the rentals will
be current for the year to which they apply. HUDs notice provided several proposed
alternatives to the current trend factor and requested comments on the alternatives as
well as suggestions of other ideas. These comments are discussed in further detail in the
proposed FY 2012 FMR notice (76 FR 52058), but, in short, the commenters did not
arrive at a consensus over how to change the trending methodology. Therefore, HUD
will continue to consider the suggestions provided in the comments and make plans to
implement a new methodology with the publication of FY 2013 Proposed FMRs.
E. Bedroom Rent Adjustments

HUD calculates the primary FMR estimates for two-bedroom units. This is generally
the most common size of rental units and, therefore, the most reliable to survey and
analyze. Formerly, after each Decennial Census, HUD calculated rent relationships
between two-bedroom units and other unit sizes and used them to set FMRs for other
units. HUD did this because it is much easier to update two-bedroom estimates and to
use pre-established cost relationships with other bedroom sizes than it is to develop
independent FMR estimates for each bedroom size. HUD did the last update of bedroomrent relationships using 2000 Census data. A publicly releasable version of the data used
for the derivations of rent ratios is available at www.huduser.org/portal/datasets/fmr/
CensusRentData/index.html.
HUD made adjustments using 2000 Census data to establish rent ratios for areas with
local bedroom-size intervals above or below what are considered reasonable ranges, or
where sample sizes are inadequate to accurately measure bedroom rent differentials.
7
Experience has shown that highly unusual bedroom ratios typically reflect inadequate
sample sizes or peculiar local circumstances that HUD would not want to utilize
in setting FMRs (e.g., luxury efficiency apartments that rent for more than typical
one-bedroom units). HUD established bedroom interval ranges based on an analysis of
the range of such intervals for all areas with large enough samples to permit accurate
bedroom ratio determinations. These ranges are: efficiency FMRs are constrained to fall
between 0.65 and 0.83 of the two-bedroom FMR; one-bedroom FMRs must be between
0.76 and 0.90 of the two-bedroom FMR; three-bedroom FMRs must be between 1.10
and 1.34 of the two-bedroom FMR; and four-bedroom FMRs must be between 1.14 and
1.63 of the two-bedroom FMR. HUD adjusts bedroom rents for a given FMR area if the
differentials between bedroom-size FMRs were inconsistent with normally observed
patterns (i.e., efficiency rents are not allowed to be higher than one-bedroom rents and
four-bedroom rents are not allowed to be lower than three-bedroom rents).
HUD further adjusts the rents for three-bedroom and larger units to reflect HUDs policy
to set higher rents for these units than would result from using unadjusted market rents.
This adjustment is intended to increase the likelihood that the largest families, who have
the most difficulty in leasing units, will be successful in finding eligible program units.
The adjustment adds bonuses of 8.7 percent to the unadjusted three-bedroom FMR
estimates and adds 7.7 percent to the unadjusted four-bedroom FMR estimates. The
FMRs for unit sizes larger than four-bedrooms are calculated by adding 15 percent to the
four-bedroom FMR for each extra bedroom. For example, the FMR for a five-bedroom
unit is 1.15 times the four-bedroom FMR, and the FMR for a six-bedroom unit is 1.30
times the four-bedroom FMR. FMRs for single-room occupancy units are 0.75 times the
zero-bedroom (efficiency) FMR.
For low-population, nonmetropolitan counties with small 2000 Census samples of
recent-mover rents, HUD uses Census-defined county group data to determine rents for
each bedroom size. HUD made this adjustment to protect against unrealistically high or
low FMRs due to insufficient sample sizes. The areas covered by this estimation method
had less than the HUD standard of 200 two-bedroom, Census-tabulated observations.
The 2010 Decennial Census did not collect the information necessary to update unit
bedroom rent relationships. HUD intends to use the 2006-2010 five-year ACS data
to update these relationships for the FY 2013 FMRs. HUD is choosing to wait until
next year to ensure something closer to a consistent 10 year time period, but more
importantly, because the 2010 ACS data will be published based on the 2010 Decennial
Census geographic definitions.
V. MANUFACTURED HOME SPACE SURVEYS

The FMR used to establish payment standard amounts for the rental of manufactured
home spaces in the HCV program is 40 percent of the FMR for a two-bedroom unit. HUD
will consider modification of the manufactured home space FMRs where public comments
present statistically valid survey data showing the 40th percentile manufactured home
space rent (including the cost of utilities) for the entire FMR area.
The Pacific Islands (Guam, Northern Marianas and American Samoa) as well as the U.S. Virgin Islands are not covered by ACS data. As part of the 2010 Decennial Census, these areas were covered by a long-form survey. The results gathered by this long form survey will not be available until 2012. Therefore, HUD uses the national change
in gross rents, measured between 2008 and 2009 to update last years FMR for these areas. Puerto Rico is covered by the Puerto Rico Community Survey within the American Community Survey; however, the gross rent data produced by the 2005-2009 ACS are not sufficient to adequately house voucher holders in Puerto Rico. This is
due to the limited ability to eliminate units that do not pass the voucher programs housing quality standards. Consequently, HUD is updating last years FMRs for Puerto Rico using the change in rents measured from all of Puerto Rico measured between the 2008 and 2009. For details behind these calculations, please see HUDs FY
2012 FMR documentation system available at: www.huduser.org/portal/datasets/fmr/fmrs/docsys.html&data=fmr12
237
All approved exceptions to these rents that were in effect in FY 2011 were updated to FY
2012 using the same data used to estimate the HCV program FMRs. If the result of this
computation was higher than 40 percent of the new two-bedroom rent, the exception
remains and is listed in Schedule D. The FMR area definitions used for the rental of
manufactured home spaces are the same as the area definitions used for the other FMRs.
VI. PUBLIC COMMENTS

As previously stated, HUD is unable to respond to all comments received on the proposed
FY 2012 FMRs in this notice because of the timing of the comment end date; however,
these responses will be available by the publication date of this notice on HUDs Web site
at www.huduser.org/portal/datasets/fmr.html. HUD was able, however, to make a minor
methodological change, in response to a comment received, that eliminates a negative
recent mover adjustment for the only area with one, Cape Coral-Fort Myers, FL MSA.
HUD will continue to review data provided by the comments and publish any revisions to
the FY 2012 FMRs resulting from data submissions in a forthcoming Federal Register.
VII. FORMALIZE A PUBLICATION DATE FOR INCOME LIMITS

The FY 2012 Income Limits will be published on December 1, 2011. While the FY 2012
Income Limits do not benefit from any additional ACS data over what was included in
the FY 2011 publication, they are updated with the FY 2012 FMRs for the purposes of
evaluating areas of relatively high-or low-income to housing cost relationships and further
updated with CPI to the end of 2010, trended to the mid-point of FY 2012 in a manner
similar to what was done with the FY 2011 Median Family Income estimates and Income
Limits. The FY 2013 Median Family Income estimates and Income Limits, published
December 1, 2012, would be the first set of median family income estimates and income
limits updated with ACS data collected from 2006-2010.
238
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Out of Reach 12 - American Housing Crisis

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O UT O F R EAC H 2 0 1 2

Americas Forgotten Housing Crisis

Copyright 2012 by the National Low Income Housing Coalition

NATIONAL LOW INCOME HOUSING COALITION

NLIHC BOARD OF DIRECTORS

TABLES AND MAPS

or decades, having a decent, safe place to call home has been a

National Low Income Housing Coalition | Out of Reach 2012

National Low Income Housing Coalition | Out of Reach 2012

EXTREMELY LOW INCOME HOUSEHOLDS FACE THE

WHAT TYPE OF RENTAL UNIT CAN VULNERABLE HOUSEHOLDS AFFORD?

This years edition of Out of Reach underscores

Among ELI households, those relying on fixed

2012 One-Bedroom FMR

2012 Two-Bedroom FMR

WAGES REMAIN INSUFFICIENT TO COVER RENTS

National Low Income Housing Coalition | Out of Reach 2012

AFFORDABILITY IS A NATIONAL CONCERN

HOW MANY HOURS A WEEK MUST A MINIMUM WAGE

*Washington state has the nations highest state minimum wage.

FOR A FULL-TIME INDIVIDUAL EARNING THE

UNAFFORDABLE IN NEARLY EVERY STATE.

WHAT TYPE OF RENTAL UNIT CAN A

2012 One-Bedroom FMR (non-metro)

2012 Two-Bedroom FMR (non-metro)

WHO IS THE MOST SEVERELY COST BURDENED?

ELI Renter Households

National Low Income Housing Coalition | Out of Reach 2012

AFFORDABLE HOUSING IS A BASIC HUMAN NEED.

THE NUMBERS IN THIS REPORT

National Low Income Housing Coalition | Out of Reach 2012

WHERE THE NUMBERS COME FROM

Divide income needed to

HUD median family income estimate

Divide number of renter households

Multiply Annual AMI by .3 to get maximum

AREA MEDIAN INCOME (AMI)

Multiply Annual AMI by .3

Average wage reported by the

Multiply 30% of Annual AMI by .3 to get

Divide income needed to afford the

Calculate annual income by multiplying

Divide income needed to afford the FMR by 52

FMR = Fiscal Year 2012 Fair Market Rent (HUD, 2011).

National Low Income Housing Coalition | Out of Reach 2012

HOW TO USE THE NUMBERS

For a family earning the AMI, monthly rent

FY12 HOUSING WAGE

There were 38,481,257 renter

The annual median family income in

AREA MEDIAN INCOME (AMI)

The FMR for a two-bedroom

In the United States, an ELI

A renter household needs an annual income of

For an ELI family earning 30% of the Area

If a household earns the equivalent

A renter household needs to

The estimated mean (average)

A renter household needs 1.3 full-time jobs

A renter household needs 2.5 full-time

FMR = Fiscal Year 2012 Fair Market Rent (HUD, 2011).

National Low Income Housing Coalition | Out of Reach 2012